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在我国近年来的经济发展过程中,中小企业如雨后春笋般出现,促进市场竞争,提高市场效率,我国的经济发展对中小企业的依赖日益加重。然而中小企业由于其自身易受经济环境影响,信息不对称及政府资源大多流向大企业等各方面因素,一直处于融资难的困境,这制约着我国中小企业繁荣发展。尽管此前政府采取了一些措施改善中小企业的融资环境,融资难问题并未得到很好的解决。随着我国中小企业不断发展壮大,其融资需求日益增大,对于中小企业融资的问题在地区上也有很大差异,沿海地区产业升级和技术更新更快,有些银行积极投资中小企业,而在中西部地区,当地银行由于资产质量和收益方面的考虑,慎重对待中小企业融资。因此本文从西安中小企业特点出发,通过分析西安中小企业融资现状及地区原因,借鉴其他融资成功案例的经验,结合西安中小企业发展状况,指出针对西安市中小企业融资和政府政策扶持等问题,并分析现有的对策以及提出可行的建议。
In the process of economic development in our country in recent years, SMEs have mushroomed to promote market competition and increase market efficiency. The economic development in our country has become increasingly dependent on SMEs. However, due to their own vulnerability to economic environment, asymmetric information and the flow of government resources to large enterprises, SMEs are always in the difficult position of financing, which restricts the prosperity and development of SMEs in our country. Although the government has taken some measures to improve the financing environment for SMEs, the problem of financing difficulties has not been well resolved. As China’s small and medium-sized enterprises continue to grow and develop, their financing needs are increasing day by day. There are also great differences in financing for small and medium-sized enterprises in the region. Industrial upgrading and technological upgrading are faster in coastal areas. Some banks actively invest in small and medium-sized enterprises, In the western region, due to the consideration of asset quality and profitability, local banks are cautious about SME financing. Therefore, based on the characteristics of SMEs in Xi’an, this paper analyzes the current situation of SME financing in Xi’an and its regional reasons, draws on the experience of other successful cases of financing, and combines with the development of SMEs in Xi’an, points out the problems of SME financing and government policy support in Xi’an Analyze existing countermeasures and put forward feasible suggestions.