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中小企业为我国经济发展创造了动力,拉动了就业,是我国经济发展的重要力量,但是因为中小企业自身规模小、声誉度低等问题,使得中小企业在融资方面面临着严重的问题。据调查显示,我国商业银行的全部贷款中,中小企业只占22.5%,在货币政策紧缩时中小企业贷款所占的比例还不到15%。而在中小企业的融资结构中,融资来源主要是三个方面:商业银行贷款、内源融资、民间借贷。而商业银行贷款是中小企业融资的最主要方式。但由于银行与中小企业间信息不对称,以及非合作博弈的关系,使得中小企业难以从银行取得贷款。中小企业融资方式的局限对中小企业的长期发展造成严重的阻力。因而,本文试图寻找造成中小企业融资难的最根本问题,从而为中小企业融资建言献策,为中小企业更好、更快、更持续地发展创造条件。
SMEs have created a driving force for China’s economic development and stimulated employment. It is an important force for China’s economic development. However, SMEs are facing serious problems in terms of financing because of their small size and low reputation. According to the survey, SMEs only account for 22.5% of the total loans of commercial banks in our country, and the proportion of SME loans in monetary tightening is less than 15%. In the SME financing structure, the financing sources are mainly three aspects: commercial bank loans, endogenous financing, private lending. Commercial bank loans are the most important way for SME financing. However, due to the asymmetric information between banks and SMEs and the non-cooperative game, it is difficult for SMEs to obtain loans from banks. The limitations of SME financing have caused serious resistance to the long-term development of SMEs. Therefore, this article attempts to find the most fundamental problem that causes the SME financing difficulty, so as to provide suggestions for SME financing and create conditions for SMEs to develop better, faster and more sustainably.