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中小企业是国家经济发展的重要力量,在经济与社会生活各方面发挥着举足轻重的作用。然而,从资金融通的渠道来看,无论是内源性融资还是外源性融资或者直接性融资和间接性融资,国内中小企业都面临着现实的、难以克服的种种障碍。融资难的问题正困扰着我国广大的中小企业。正确认识中小企业的作用,分析其融资难的原因。并从政府、金融机构及企业本身等三个层面上积极创造条件解决中小企业融资难的问题,将有利于中小企业的进一步发展和促进我国经济的快速增长。
Small and medium-sized enterprises are an important force in the country’s economic development and play an important role in all aspects of economic and social life. However, from the perspective of financial intermediation, domestic SMEs are facing realistic and insurmountable obstacles, whether they are endogenous financing, exogenous financing, direct financing or indirect financing. The problem of financing is bothering the vast majority of SMEs in our country. Correct understanding of the role of SMEs, analysis of the reasons for its financing difficulties. And actively create the conditions for solving the financing difficulties of SMEs from the three levels of government, financial institutions and enterprises themselves, which will be conducive to the further development of SMEs and the rapid economic growth in our country.