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中小企业是我国国民经济发展的重要组成部分,对我国社会经济发展做出了重要贡献。但是我国中小企业自身普遍存在着资金链脆弱的问题,自身的资金积累很难满足其发展需求,因此需要借助融资的方式来筹措资金。故而了解投资主体在投资中小企业时的风险偏好以及风险评价,对中小企业融资有很重要的作用。本文对中小企业融资体系的构成进行了简单阐述,并构建了一套对中小企业融资体系进行评估的分析模式。
Small and medium-sized enterprises are an important part of the development of our national economy and have made important contributions to the social and economic development of our country. However, SMEs in our country generally have the problem of the fragile capital chain. Owing to the accumulation of their own funds, it is difficult to meet their development needs. Therefore, the financing needs to be financed. Therefore, it is important to understand the risk appetite and risk assessment of the investors when investing in SMEs, which plays an important role in the financing of SMEs. This article briefly elaborates the composition of SME financing system and constructs a set of analysis mode to evaluate SME financing system.