论加强对中小企业的金融服务

中小企业已经成为我国社会主义市场经济的重要组成部分。在中小企业发展中普遍存在着融资难的问题。中小企业融资难的成因是金融机构保守求稳的思想，贷款的单位成本较高，金融机构的信贷管理方式以及缺乏良好的信贷抵押和担保等。解决中小企业融资难的主要对策一是国家和政府要起主导作用；二是金融机构要加大服务力度；三是中小企业要拓宽融资渠道；四是中小企业要抓住机遇，自求发展。

A Discussion about Strengthening the Banking Service of Medium and Small- Sized Enterprises

Small and medium - sized enterprises have become an important part of our socialist market economy, yet they ave faced with the common problem -the difficulty of seeking capital funds. Thereasons are as follows: the financial institutions are too conservative to take risks of granting loans to them; the unit cost for the credit is too hish; the fimancial institutions have some difficulty in managing their credits; the enterprises lack sound, credit mortgage and guarantees. Some major measures can be taken to solve the problem. Firstly the state and the government should play a leading role. Secondly, the financial institutions should better their services. Thirdly, the small and medium - sized enterprises should broaden the channels for seeking capital funds and they also should take any opportunity to develop themselves.