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中小企业对我国国民经济的发展起着举足轻重的作用,而融资难题又是中小企业发展的一大瓶颈,在当前偏紧的货币政策下,中小型企业的融资环境迅速恶化。本文从当今货币政策收紧,中小企业融资环境恶化这一视角对中小企业的融资路径进行了探讨。政府有关部门、银行等金融机构与中小企业本身齐上阵,有力配合,才可以缓解直至未来可能最终解决的中小企业融资难题。具体说可以通过政府进一步加强政策扶持力度、中小企业利用民间资本、求助专门金融机构、天使投资和发行股票、债券等直接筹资方式来筹集企业发展所需资金。
SMEs play a decisive role in the development of China’s national economy. Financing problems are also a major bottleneck in the development of SMEs. Under the current tight monetary policy, the financing environment for SMEs has rapidly deteriorated. This article discusses the financing path of SMEs from the perspective of tightening monetary policy and the deterioration of SME financing environment. Relevant government agencies, financial institutions such as banks, and small and medium-sized enterprises themselves must go hand in hand and cooperate effectively to ease the financing difficulties of SMEs that may eventually be resolved in the future. Specifically, the government can raise funds for enterprise development by further strengthening policy support, SMEs using private capital, seeking help from specialized financial institutions, angel investment, issuing stocks, bonds, and other direct financing methods.