我国中小企业融资问题探讨.pdf

摘 要 中小企业是我国国民经济的重要组成部分,在经济社会发展 中具有大企业无法替代的特殊的战略地位。中小企业作为活跃市 场的基本力量,容纳了社会上大多数的就业人员,在促进经济增 长及解决就业和再就业过程中,发挥着重要作用。中小企业的发 展需要强有力的资金支持，但由于企业自身和我国经济体制等多 方面的原因，致使我国中小企业普遍存在的融资难的问题。融资 难造成中小企业融资方式单一，融资渠道狭隘，融资结构存在许 多缺陷,融资难严重制约了我国中小企业的发展速度。 本文从中小企业自身、金融机构定位、与中小企业发展相配 套的政策和法律环境及社会信用环境等等方面，对当前影响我国 中小企业发展的融资问题及成因进行分析。因此，针对我国中小 企业融资的特点，就如何加强中小企业自身建设；如何构建、完 善与中小企业发展相适应的金融服务体系；如何建立、健全相应 的政策、法律制度；如何拓展融资渠道；如何培育良好的信用环 境等提出了建议。 关键词 中小企业 融资问题 金融体系 担保体系 Abstract Small and medium-sized enterprises (SMES) are an important part of the national economy, in economic and social development has big enterprise irreplaceable special strategic position. Small and medium-sized enterprises (SMES) as a basic power of active market, contain most of the society employment, in promoting economic growth and solve the employment and reemployment process, play an important role. The development of small and medium-sized enterprises need strong financial support, but because the enterprise itself and Chinas economic system and so on various reasons, causes our country small and medium-sized enterprise widespread financing difficult problem. Financing difficulties of small and medium-sized enterprises in our country in the development speed. This article from the small enterprises themselves, financial institutions, positioning, and development of small and medium-sized enterprises supporting policies and legal environment and the social credit environment, etc, to influence the development of small and medium-sized enterprises of our country the current financing problems and the causes are analyzed. Therefore, according to the characteristics of small and medium-sized enterprises financing in China, how to strengthen the