中国中小微企业融资问题研究述评

随着我国经济体制改革的不断深入,中小微企业发挥着日益重要的作用,而融资难已成为制约中小微企业发展的瓶颈。中小微企业融资难主要是因为自身经营能力较差,财务不透明,信用意识缺乏;金融市场不健全,企业融资渠道单一;政府部门的服务和相关法律环境不完善等。应加快中小微企业自身建设,进一步推进金融体制改革,加大力度落实各项扶持中小微企业发展的政策,从而解决中小微企业融资难的问题,有效推动其健康发展。

Research Review of Financing Problems for Small and Medium-sized Enterprises in China

With the deepening of China＇s economic reform,small and micro enterprises play an increasingly important role,and financing difficulty of small and micro enterprises is the development bottleneck. The reasons for financing difficulties of small and micro enterprises are mainly due to their poor ability,financial opacity,lack of credit awareness; unsound financial market,single financing channel; poor services and imperfect legal environment of the government departments. Therefore,the construction of small and medium micro enterprises should be accelerated,,financial reform should be further promoted,the implementation of the support of small and medium enterprise development must be intensified so as to solve the financing difficulties of small and micro enterprises,and effectively promote their healthy development.