中小企业融资难的对策分析

造成中小企业融资难的原因是多方面的,既有企业自身规模小、管理不规范、财务制度不健全、信用水平低等内部原因,又有金融机构＂惜贷＂、信用担保制度不完善、资本市场不健全、法律法规不完整、政府扶持力度不够等外部原因,而中小企业融资结构的不合理,也加剧了其自身的融资困境。因此,中小企业应改善信用状况、完善财务制度、降低与投资者的信息不对称程度;金融机构应尽快建立新型银企关系,提高资金的配置效率;政府应改善和发展资本市场,疏通中小企业股权融资的渠道,从宏观上改善其融资环境,从而达到缓解中小企业融资困境的目的。

Reasons of Difficulty in SME Financing and Corresponding Countermeasures

There are many reasons for the financing difficulties of SMEs.First,the SMEs' small scale,nonstandard management,the unsound finance system and low credit level are the internal factors.Second,the financial institution squeeze the loan,the imperfect credit guarantee system,the unsound capital markets,incomplete law system and the weak of government support are the external factors.Third,the unreasonable financing structure of the SMEs aggravates the financing difficulties.So the SMEs should increase the lev...