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面对银行等金融机构不愿意向中小企业发放贷款的问题,面对信息不对称的格局和政策措施,中小企业总是无能为力。而法律的明确、规范的特点能够弥补政策的缺陷而使之具有可操作性。为此,在社会转型发展中,对中小企业的金融扶持,国家应当注重在条件成熟时,尽量将有关中小企业的金融政策以法律的形式颁布,并提高立法层次,特别是尽量以专门的单行法形式颁布,以确保中小企业融资能够得到强有力的法律保障,进而妥善解决融资难的问题。
The face of banks and other financial institutions are reluctant to issue loans to SMEs, the face of information asymmetry patterns and policies and measures, SMEs are always helpless. The law of the clear, standardized features to make up for the policy flaws make it workable. Therefore, in the process of social transformation and development, the financial support for SMEs should be emphasized when the conditions are ripe for the state to try its best to promulgate the financial policies of small and medium-sized enterprises in the form of laws and to raise the level of legislation. In particular, as far as possible, Law to promulgate the law to ensure that SME financing can be strong legal protection, and then properly solve the problem of financing difficulties.