我国中小企业融资难的原因和对策的探讨.docxVIP

我国中小企业融资难的成因及对策研究 摘 要 当前，国家已经把中原经济区建设纳入“十三五”规划，在这个破解中小企业融资难的大好环境下，如何抓住机会，改善目前我国中小企业融资难的现状十分关键。我国中小企业在推动经济增长，促进就业和技术创新方面发挥着重要作用。中小企业关乎促进就业、改善民生、经济发展和社会稳定的大局。支持中小企业就是增加就业、保障民生，就是最大的民生工程。当前中小企业融资难是其发展的最大瓶颈，研究中小企业融资难的问题及对策分析具有十分重大的现实和理论意义。本文从各方面的原因分析入手，提出合理引导庞大的民间资本，使之由地下转入公开；政府相关部门要加大扶持力度，调动各银行服务中小企业的积极性；建立支持中小企业发展的信用担保机构和制度；企业自身要“用功”和提高对我国中小企业的金融服务水平等一系列对策。帮助中小企业走出困境，以便于我国中小企业融资困境能得到缓解，为加快地区经济建设做贡献，繁荣发展我国经济。 关键词：中小企业；融资；对策 The Difficulties and Countermeasures of Financing of Small and Medium Sized Enterprises in China Abstract Currently, the country has been included in the Central Plains Economic Zone Thirteen Five plan, under the excellent crack SME financing environment, how to seize the opportunity to improve the current situation in China financing of SMEs is critical. Chinese SMEs play an important role in promoting economic growth, employment and technological innovation. SMEs in respect of promoting employment, improving peoples livelihood, economic development and social stability of the overall situation. Support for SMEs is to increase employment, protect peoples livelihood, is the greatest livelihood projects. The current SME financing is the biggest bottleneck in their development, problems and countermeasures of SME financing difficulties of analysis is of great practical and theoretical significance. In this paper, all aspects of the analysis of the reasons put forward reasonable guide huge private capital, so that from the ground into the open; the relevant government departments to increase efforts to support, mobilize the enthusiasm of all banking services for SMEs; build support for SME development credit guarantee institutions and systems; enterprise itself to hard and improve the level of financial services for SMEs series of countermeasures: to help SMEs out of the woods, so that in the province of SME financing difficulties can be eased, to accelerate the construction of the central