小微企业融资困境及化解对策的研究.docVIP

小微企业融资困境及化解对策的研究 　　[摘 要] 我国小微企业融资能力弱、银行信贷资源分配及信贷产品供给不足、证券市场不发达、社会担保体系不健全，导致小微企业融资困难。解决这些问题，应多方协力共促小微企业提升融资能力，改进金融管理、加强金融创新，打造良好融资环境，以促进小微企业健康发展。 　　[关键词] 小微企业；融资；对策 　　[中图分类号] F275.6 [文献标识码] A 　　Abstract： Due to weak financing capacity， inadequate resource allocation of bank credit and credit products supply， undeveloped stock market and imperfect social guarantee system， small and micro enterprises have financing difficulties. In order to solve these problems， the government should work together in many ways to promote financing capacity， improve financial management， strengthen financial