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近年来,伴随着我国国民经济的高速发展,金融体系也具有重大的改善,但从当前市场实际来看,中小企业面临的融资问题依然不容乐观,这也成为当前制约中小企业提高市场竞争力的关键阻碍因素,不利于中小企业实际发展需要,民间借贷作为中小企业传统融资方式外的补充应运而生,并迅速成为中小企业发展融资的重要途径。本文首先介绍了民间借贷的相关概念,然后阐述了当前我国中小企业的融资现状,重点分析民间借贷对中小企业融资的影响,以期为促进民间借贷对我国中小企业融资的推动作用提供一定的理论支持。
In recent years, along with the rapid development of our national economy, the financial system has also made significant improvements. However, from the current market reality, the financing problems faced by SMEs are still not optimistic. This has also become the current constraint on SMEs to enhance their market competitiveness The key obstacle is not conducive to the actual development of SMEs, private lending SMEs as a supplement to the traditional means of financing came into being, and quickly became an important way for SME development financing. This paper first introduces the concept of private lending, and then expounds the current financing situation of SMEs in China, focusing on the impact of private lending on SME financing, with a view to promoting private lending to promote the role of SME financing in China to provide some theoretical support .