基于信用担保视角下中国中小企业融资机制研究

中小企业在中国国民经济中所发挥的作用越来越明显,越来越受到社会各方面的关注。社会资源稀缺使得中小企业发展遇到了困难,尤其是融资上的困难比较明显。中小企业融资难的问题已经引起国家和社会的关注。问题的出现,既有中小企业自身缺陷的原因,诸如内部控制制度尚未建立、风险意识不强等,也有来自中小企业以外的因素影响,如没有针对中小企业的专门金融服务机构、担保体系不完善等。采用信用担保方式为中小企业提供融资是目前切实可行的方法,以信用担保为核心建立中小企业融资机制是解决中小企业融资难问题的最好途径。

Research on Small and Medium-Sized Enterprises Financing Mechanism based on the Perspective of Credit Guarantee in China

The role of small and medium-sized enterprises in China's national economic is more and more obvious,be concerned by society increasingly.Scarce social resources makes small and medium-sized enterprise development encounter troubles,especially the financing difficulties are more apparent.The question that the small and medium-sized enterprise financing is difficult has caused the attention of state and society.The emergence of the problem results in both itself defects of small and medium-sized enterprise,s...