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改革开放以来,我国的综合经济实力明显增加,而中小企业也为之做出了巨大的贡献。随着我国市场经济体制的不断完善,中小企业面临着重大的挑战。而资金是中小企业发展中不可缺少的生产要素,稳定的融资渠道是中小企业发展的重要前提条件,目前我国中小企业在发展过程中最突出的问题,就是资金匮乏,融资渠道的不畅。针对这一问题,本文深入剖析了中小企业融资困难的企业,金融机构和政府引起的内外因,并且针对中小企业融资存在的问题,从不同层次研究提出了能够缓解中小企业融资难的解决措施。
Since the reform and opening up, China’s comprehensive economic strength has obviously increased, and SMEs have made tremendous contributions. As China’s market economy system continues to improve, SMEs are facing major challenges. However, funds are indispensable factors for the development of SMEs. A stable financing channel is an important precondition for the development of SMEs. At present, the most prominent problem in the development of SMEs in China is the lack of funds and the poor financing channels. In response to this problem, this article analyzes in depth the internal and external causes caused by the financing difficulties of SMEs, the financial institutions and the government. In view of the problems existing in the financing of SMEs, this paper puts forward solutions to alleviate the financing difficulties of SMEs from different levels.