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中小企业作为当前我国市场经济中非常活跃的组成部分,对于我国经济社会的发展具有重要的推动和促进作用,尤其是在创新科学技术和提供就业机会等方面意义重大,对于经济发展模式的转变以及经济结构的调整更是具有战略意义。中小企业对国家发展做出的巨大贡献以及在市场经济主体中占据的经济社会地位正是其全局性和战略性的优势体现。但与此同时,它还存在着进入市场难、信息获取难、融资贷款难等一系列的问题亟待解决,其中尤以融资贷款难表现的最为广泛和突出。所以笔者通过对中小企业融资难问题进行了深入的探讨和分析,最终指出我国中小企业融资难的深层次根源主要在于制度性的缺陷。
As a very active part of the current market economy in our country, SMEs play an important role in promoting and promoting China’s economic and social development. In particular, SMEs are of great significance in innovating science and technology and providing employment opportunities. As for the transformation of economic development mode and The adjustment of economic structure is even more strategic. The great contribution that small and medium-sized enterprises make to the development of the country and the economic and social position they occupy in the main body of the market economy are the embodiment of their overall advantages and strategic advantages. However, at the same time, it still has to solve a series of problems such as difficulty in entering the market, difficulty in obtaining information and difficulty in financing loans. Among them, the most difficult and the most outstanding are the financing loans. Therefore, through in-depth discussion and analysis of the financing difficulties of SMEs, the author finally points out that the deep-rooted causes of the financing difficulties of SMEs mainly lie in the institutional defects.