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中小企业作为我国经济发展中的推动力量与重要因素,融资渠道的扩充与中长期资金的取得是其发展的关键。长期以来,中小企业经营结构的不合理而导致的信用问题、商业银行与其它金融机构的经营制度问题以及我国资本市场不够完善等问题,成为制约中小企业融资的因素。长远来看,完善资本市场,发展与中小企业相匹配的中小商业银行等金融机构是解决问题的根本;此外,通过法律规范民间信用体系的建立,引导民间融资合法发展,也是解决中小企业融资难的有效手段。
As a driving force and an important factor in China’s economic development, the expansion of financing channels and the acquisition of medium and long-term funds are the keys to its development. For a long time, the credit problems caused by the unreasonable management structure of SMEs, the management system of commercial banks and other financial institutions, and the imperfect capital market in China have become the factors restricting the financing of SMEs. In the long run, improving the capital market and developing financial institutions such as small and medium-sized commercial banks that match with SMEs are the fundamental solution to the problem. In addition, it is also difficult for SMEs to make financing through legal norms of establishing a private credit system and guiding the legal development of private financing Effective means.