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中小企业是我国国民经济的重要组成部分,在我国经济建设中有着不可替代的作用。然而,由于企业自身、金融体系、政府政策等诸多原因的作用造成我国中小企业融资难的现状,融资问题已经成为制约我国中小企业发展壮大的重要原因。本文从我国中小企业融资的相关理论和发展现状出发,分析探讨融资问题的原因,借鉴国外在此问题上的先进经验,并在此基础之上提出解决我国中小企业融资问题的对策。
Small and medium-sized enterprises are an important part of our national economy and play an irreplaceable role in the economic construction of our country. However, due to many factors such as the enterprise itself, the financial system and government policies, the current situation of financing difficulties for SMEs in our country has become a problem. Financing problems have become an important reason that restricts the growth of SMEs in our country. Based on the related theories and development status quo of SME financing in our country, this article analyzes the reasons of financing problems, draws lessons from foreign advanced experience on this issue, and on this basis puts forward countermeasures to solve the financing problems of SMEs in our country.