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随着全球经济一体化进程的不断加快,融资越来越成为中小企业发展与壮大的有效途径。近年来,我国虽不断完善中小企业整体融资环境,但中小企业融资过程中仍存在着一些问题,尤其是全球经济危机的爆发进一步恶化了中小企业融资环境,使融资日趋困难,本文从中小企业自身、金融机构以及社会环境三个方面分析企业融资困境,针对于上述问题,文章通过汲取和借鉴西方发达国家先进的融资模式经验,结合我国现行中小企业的融资需求和特点,为推进中小企业融资模式创新制定有效措施。
With the acceleration of global economic integration, financing has increasingly become an effective way for the development and expansion of SMEs. In recent years, although our country continues to improve the overall financing environment for SMEs, some problems still exist in the financing process for SMEs. In particular, the global economic crisis has further exacerbated the financing environment for SMEs and made financing increasingly difficult. From the perspectives of SMEs themselves, Financial institutions and social environment. In view of the above problems, this article tries to promote the innovation of SMEs financing model through drawing lessons from the advanced financing modes of western developed countries and combining with the current financing needs and characteristics of SMEs in our country. Develop effective measures.