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近年来,中小企业已成为我国经济发展的中坚力量。然而由于中小企业经营规模小、缺乏有效抵押资产,往往导致融资规模小,渠道窄,从银行贷款难等问题,使得融资问题成为其发展过程中的瓶颈。因此解决中小企业融资难的问题变得十分迫切。本文通过研究中小企业的发展现状,并针对这些成因提出了企业应提高自身经营水平、完善信用体系、充分与融资担保公司进行合作等对策,以促进企业健康发展,并对类似的企业提供参考意见。
In recent years, SMEs have become the backbone of China’s economic development. However, due to the small-scale operation of small and medium-sized enterprises and the lack of effective mortgage assets, they often lead to problems such as small-scale financing, narrow channels and difficult loans from banks, thus making the financing issue a bottleneck in the development process. Therefore, to solve the problem of SME financing becomes very urgent. This article studies the current situation of the development of SMEs, and puts forward some countermeasures such as how to improve the management level, improve the credit system and cooperate fully with the financing guarantee companies so as to promote the healthy development of enterprises and provide reference for similar enterprises .