后危机时代中小企业融资难问题研究

在中小企业生存环境依然严峻的后经济危机时代,中小企业虽然贡献了全国60%的GDP,但平均寿命仅2.9年,究其原因,中小企业发展的最大障碍是融资难。文章通过对中小企业融资困境分析,从政府、金融机构和企业自身三方面探讨造成融资难的原因,并提出为中小企业创造良好的融资环境,加强金融机构对中小企业的服务和支持,多渠道提升中小企业融资能力等对策。

A Research of Financing Difficulty of Small and Medium-sized Enterprises in the Post-crisis Era

In the post-crisis era,the living environment of small and medium sized enterprises(SMEs) still remains grim.Although SMEs' contribution to national economy is immense at 60% of GDP,their average years of existence are only 2.9 years.In the author's opinion,the biggest obstacle standing in the development of SMEs is financing difficulty.This article analyzes the current financing situation of SMEs,probes into the reasons of financing difficulty in aspects of the government,financial institutions and SMEs,an...