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如今,中小型企业已经成为促进我国国民经济快速发展的重要力量之一,但在其发展过程中,由于中小型企业规模小、发展前景不明朗等问题使其融资难度相对较大,制约其快速发展。“双创”的提出为解决中小型企业融资难问题提供了机遇,于是在“双创”背景下如何解决中小企业融资难问题成为学界关注的重点。本文基于现阶段我国中小型企业融资现状,运用文献阅读和资料分析的方法,综合政府、银行及担保机构、企业四大主体从制度完善、平台建设、贷款服务水平提升、担保模式创新,信用及融资能力提升等方面提出现实背景下解决我国中小型企业融资难问题的对策,为相关企业和机构提供借鉴。
Today, small and medium-sized enterprises have become one of the important forces to promote the rapid development of China’s national economy. However, due to the small scale and unclear development prospects of small and medium-sized enterprises in the course of their development, the difficulty of financing is relatively high, which restricts their rapid development. development of. The proposal of “double creation” provides an opportunity to solve the problem of financing difficulties for small and medium-sized enterprises. Therefore, how to solve the problem of financing difficulties for SMEs in the context of “double creation” has become the focus of academic attention. This article is based on the current status of China’s SME financing, using literature reading and data analysis methods, integrated government, banks and guarantee agencies, the four major enterprises from the system improvement, platform construction, loan service improvement, security model innovation, credit and Raising financing capacity and other aspects put forward countermeasures to solve the problem of financing difficulties for small and medium-sized enterprises in China under realistic background, and provide reference for related companies and institutions.