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随着经济的发展,中小企业对小额贷款的需求不断增加,相继出现很多小额贷款公司及业务,使得小额信贷较以前更火热。但是作为中小企业间接融资的主要渠道,小额信贷的供需出现了不平衡的问题,从而也导致了中小企业融资难的问题,制约了中小企业的发展。因此,探寻中小企业的融资渠道,重新审视中小企业的融资现状并从中找出解决中小企业融资问题的出路,都有重要的理论和现实意义。本文从中小企业融资现状出发,分析其中的问题,并进一步探讨推动中小企业融资的方法,以期为中小企业提供更多的融资渠道。
With economic development, the demand for small loans by SMEs has been on the increase. Many microfinance companies and businesses have emerged in succession, making microfinance more hotter than before. However, as the main channel for indirect financing for SMEs, there is an imbalance between supply and demand of microfinance, which has also led to the problem of SME financing difficulties and restricted the development of SMEs. Therefore, it is of great theoretical and practical significance to explore financing channels for SMEs, re-examine the financing status of SMEs and find out the way to solve the financing problems for SMEs. Based on the current situation of SMEs financing, this article analyzes the problems and further discusses the ways to promote the financing of SMEs in order to provide more financing channels for SMEs.