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中小企业作为我国国民经济的重要组成部分,对我国经济的持续、稳定、协调发展起着至关重要的作用。然而中小企业在发展过程中的融资难的问题已经成为了制约其进一步发展的瓶颈,研究我国中小企业的融资问题具有重要的显示意义和紧迫性。本文对中小企业融资难的原因进行分析,进而找出了中小企业自身、政府、银行三个层面的原因,并通过中小企业融资难的现状分析,提出缓解中小企业融资难的相关对策。
As an important part of our national economy, small and medium-sized enterprises play a crucial role in the sustained, stable and coordinated development of our economy. However, the financing difficulties of small and medium-sized enterprises in the process of development have become the bottlenecks that restrict their further development. It is of great significance and urgency to study the financing of small and medium-sized enterprises in our country. This paper analyzes the reasons for the difficulty of SMEs financing, and then finds out the reasons for SMEs themselves, the government and banks. Based on the analysis of the current situation of SMEs financing difficulties, this paper puts forward some countermeasures to alleviate the financing difficulties of SMEs.