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“融资难”是近年来让中小企业、政府、金融机构都备感纠结的一大难题。为更好地给中小企业提供信贷支持,在政府的推动下,多个创新型产品相继面市,给“资金饥渴”的中小企业带来更多选择。其中中小企业集合票据因发行成本较低、审批便捷而更加受到了中小企业的普遍欢迎。我国中小企业集合票据融资效果显著,市场支持度高,但是其发行主体复杂、担保失位、融资成本高等诸多问题严重阻碍了中小企业集合票据的后续发行。本文通过分析我国中小企业集合票据融资的现状,以此探讨如何有效地促进中小企业集合票据持续发展壮大的相关对策建议。
“Financing Difficulties ” is a big challenge that has made SMEs, governments and financial institutions feel entangled in recent years. To better provide credit support to SMEs, a number of innovative products have been launched under the impetus of the government and more choices have been made for SMEs that are “hungry for money”. Among them, SME bills are generally welcomed by small and medium-sized enterprises due to their low issuance costs and convenient approval. China’s SME bill financing effect is significant, the market support is high, but the issuance of the main complex, the guarantee out of position, high financing costs and many other issues have seriously hindered the subsequent issuance of SME bill collection. This article analyzes the status quo of SME bill collection financing in China to explore how to effectively promote the SME bill collection continued development and growth of countermeasures and suggestions.