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改革开放以来,我国中小企业取得了突飞猛进的发展,在促进科技进步、增进就业、扩大出口等方面发挥了不可忽视且不可替代的作用。然而总体而言,我国中小企业仍然是一个特殊的弱势群体,在与大企业的竞争中处于劣势,特别集中地反映在融资困难这一突出问题上。本文针对中小企业融资难现状,系统地分析了其主要原因。指出了我国当前中小企业融资的主要障碍,并从政策性融资、直接融资、间接融资三个角度提出一些对策。
Since the reform and opening up, China’s small and medium-sized enterprises have made rapid progress and played an indispensable and irreplaceable role in promoting scientific and technological progress, promoting employment and expanding exports. In general, however, SMEs in our country are still a special vulnerable group, which is at a disadvantage in the competition with large enterprises and is especially reflected in the prominent problem of financing difficulties. This article aims at the current situation of SME financing difficulty, and systematically analyzes its main reason. Points out the main obstacles to the current SME financing in our country, and puts forward some countermeasures from the perspectives of policy financing, direct financing and indirect financing.