中小企业融资难及对策研究

中小企业融资服务一直是金融服务的薄弱环节。究其原因,既有中小企业自身的因素,诸如治理结构不够健全、财务状况不够透明、缺少可抵押的财产等内因,又有信息不对称、融资担保体系不够完善、民间金融监管和法律保护缺失、间接融资与直接融资比例不够协调、营商环境不够友好等外因。破解中小企业融资难,需要各级政府发挥主导作用,进一步解放思想,创造良好营商环境;需要监管部门创新思路,进一步拓宽融资渠道,优化考核激励,为金融机构提供政策支持;需要商业银行提高定位、加大创新、改进服务;需要中小企业加强自律、规范经营、练好内功、增强实力。

Research on Financing Difficulties and Countermeasures of SMEs

Financing services for SMEs has always been a bottleneck problem in financial services. There are both internal factors and external factors. The internal factors, such as unsound corporation management structure, nontransparent financial situation, short of mortgageable assets are inside SMEs. The external factors are information asymmetry, imperfect financing guarantee system, lack of nongovernmental financial supervision and legal protection, incoordinated structures between direct and indirect financing, inadequate corporate credit environment and business environment. Solving the financing difficulties of SMEs requires the joint efforts of all society and communities. It is necessary for all levels of governments playing a leading role and creating a good financial ecology. Besides, it is also required supervision authorities to make further efforts to expand financing channels, consummate performance evaluation incentive system and provide policy support for financial institutions. In addition, banks should be highly positioned, increase innovation, and improve services. SMEs need to strengthen self-discipline, standardize operations, and strengthen their capabilities.