中小企业融资难的原因及对策

中小企业在促进就业增长、科技进步、出口和经济增长中发挥着重要作用。本文分析了中小企业发展过程中融资难的原因 ,并从加快中小金融机构发展、提高银行职员素质、建立多层次的担保体系、建立中小企业信用管理体系、发展大中小企业之间的分工协作关系和拓宽直接融资渠道等方面提出了应对策略。

On the Cause of China''''s Medium and Small-sized Enterprises Hard to Finance and Countermeasures

The medium and small-sized enterprises play important role in promoting the growth of obtaining employment, the progress of science and technology, export and economic growth. This article analyzes the cause of china's medium and small-sized enterprises hard to finance and propose the countermeasures form aspects of developing medium and small-sized financial institutions, improving diathesis of the bank clerks, establishing the guarantee system and the credit supervising system of medium and small-sized enterprises, developing cooperation among large, medium and small-sized enterprises and providing the way of direct financial services etc.