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中小企业融资难是世界各国普遍面临的一大问题,中国也不例外。本文从对中小企业融资的现状以及融资难的原因等方面展开讨论。明确指出中小企业融资困难是中小企业在发展进程中遇到的最重要的困难。通过对中小企业特点的分析,得出企业信用的缺失、金融体系发展的不够完善等是中小企业融资问题上出现困难的主要原因。之后讨论了发达国家在中小企业融资问题上的举措,并且进行了国内外中小企业融资政策的比较,令中国的中小企业深思值得中国借鉴的先进的理念与经验。并在结合我国具体国情的基础上,提出我国政府改善中小企业融资困难的措施与建议。
Financing of SMEs is a major problem facing all countries in the world. China is no exception. This article discusses the status quo of SME financing and the reasons for financing difficulties. Clearly pointed out that SME financing difficulties are the most important difficulties that SMEs encounter in the development process. Through the analysis of the characteristics of SMEs, it is concluded that the lack of corporate credit and the imperfect development of the financial system are the main reasons for the SME financing difficulties. After discussing the developed countries in the financing of SMEs initiatives, and conducted a comparison of SME financing policies at home and abroad, so that SMEs in China is worth pondering the advanced concepts and experiences that China can learn from. Based on the concrete national conditions in our country, this paper puts forward the measures and suggestions of our government to improve the financing difficulties of SMEs.