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中小企业融资难是经济生活中最热点的话题之一。到底是哪些中小企业融资难,难在哪里?是企业自身的问题还是银行的问题?笔者基于长期的工作实践并通过广泛的调查,分析阐述了我国目前中小企业融资难现状,并指出了症结的所在。笔者认为要彻底解决中小企业融资难的问题需要政府、银行和企业三方共同努力,并尝试指出三方努力的方向和重点。
SME financing is one of the hottest topics in economic life. In the end what are the difficulties of SME financing, where is it difficult? Is the enterprise’s own problem or the bank’s problem? The author based on long-term work practices and through extensive investigation, analysis and elaboration of the current situation of SME financing difficulty in our country, and pointed out the crux of the problem Where you are. I believe that to completely solve the problem of SME financing needs the joint efforts of the government, banks and enterprises tripartite, and try to point out the direction and focus of the tripartite efforts.