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中国中小企业的特点有:经营灵活、资金少、规模小等,在全国企业中,各类中小企业占99%,是一种重要的力量推动着国民经济的发展。但是,中国中小企业还存在很多问题,其中融资困难长期以来严重制约着中国中小企业的健康、快速发展,针对中小企业融资这一问题,怎样才能采取措施改进,成为了当今企业经营者不得不认真思考、研究的重要问题。文章针对中国中小企业融资制度创新问题进行了深入探讨,首先分析了中国中小企业融资的现状,然后分析了中小企业融资困难的原因,最后提出了中小企业融资创新的研究。
The characteristics of China’s small and medium-sized enterprises include: flexible operation, low capital and small scale. Among the national enterprises, all kinds of small and medium-sized enterprises account for 99%, which is an important force that promotes the development of the national economy. However, there are still many problems for SMEs in China. Among them, financing difficulties have seriously hampered the healthy and rapid development of SMEs in China for a long period of time. As to how to take measures to improve SMEs’ financing, SMEs in China have become serious nowadays. Think, study the important issue. This article has carried on the thorough discussion to the financing system innovation of the small and medium-sized enterprise in China, first analyzed the present situation of the financing of the small and medium-sized enterprise in China, then analyzed the reason of the financing difficulty of the small and medium-sized enterprise, finally proposed the research of the financing innovation of the small and medium-sized enterprise.