对我国中小企业信贷融资问题的探讨.doc

对我国中小企业信贷融资问题的探讨 摘要：改革开放以来。我国中小企业得到迅速发展，成为我国国民经济中不可或缺的重要组成部分。在转型经济中，中小企业是最具活力的部分，其规模小，经营方式灵活，在吸收就业、稳定社会、活跃经济等方面发挥了重要作用。但与其在国民经济中日益显重的地位不相称的是其发展受到了众多因素的制约，而融资问题尤为突出。企业的生存、发展以及利润的获得，都是以资金的投入为前提的，流动资产一刻也不停地奔腾在企业的血管里。资金作为企业的“血液”，它既是企业各种生产要素的前身，也是产品价值的归宿。但中小企业融资难的问题持续多年，完善中小企业，创新金融机构体制，加大政府支持力度，解决中小企业融资难已成为我国经济发展的迫切需要。 关键词：中小企业、国民经济、信用、融资问题 ABSTRACT Since the reform and opening, Our country’s small and medium-sized enterprises get rapid development and become the indispensable important component of the national economy. In a transition economy, small and medium-sized enterprise is the most dynamic part of its small size, flexible mode of operation, in absorbing employment, social stability, active play an important role in the economy, etc. But rather than in the national economy increasingly significant weight status disproportionate is restricted by many factors, its development and financing problem is particularly prominent. The survival, development of the enterprise and gain profit, is based on capital investment as the prerequisite, liquid assets moment also constantly burst in the veins of the enterprise. Money as the blood of the enterprise, it is not only the enterprise as a forerunner of all kinds of factors of production, is also the product value end-result. But small and medium-sized enterprise financing difficult problem for several years, perfect the small and medium-sized enterprises, financial institutions innovation system, strengthen government support, solve the financing difficulties of small and medium-sized enterprises has become the urgent need of economic development in our country. KEY WORDS：Small and Medium Enterprises. National Economy. Credict. Financing problem. 正文: 改革开放以来，我国中小企业迅速发展，在国民经济中起着不可忽视的作用。但是，与大企业相比，中国的中小企业普遍面临着融资不畅的问题，资金严重不足从而阻挠了他们的持续快速健康发展。为鼓励中小企业的发展，国家相继出台了一系列支持、促进中小企业发展的鼓励政策。中小企业的融资供应主要来自银行贷款，但是由于中小企业自身的特点和局限性，中小企业贷款出现了瓶颈。那么，我们要如何实现银行业金融机构和中小企业的双赢成为亟待解决的问题。 1.我国中小企业的融资现状 1.1缺乏有效的担保机制和其他融资机制的平台，使得中小企业的融资通道过于狭窄。 由于证券市场门槛高，创业投资体