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中小企业是我国国民经济中的重要组成部分,不仅数目众多,而且为推动经济发展、解决就业问题、促进科技进步和缓解就业压力等方面做出了巨大贡献。但是由于政府对中小企业的扶持力度不够,中小企业自身管理制度存在缺陷,以及金融机构和资本市场体系不够健全等原因导致中小企业的发展面临融资难的问题,严重制约着中小企业的快速发展。所以,中小企业要想进一步发展,就必须从企业自身和外部环境因素入手,一方面,中小企业要提高自身的综合素质和信用水平,另一方面,政府要加大对中小企业融资的支持力度,建立更加完善的融资担保体系,完善金融机构和资本市场体系,此外,商业银行应拓宽中小企业的融资渠道,为中小企业融资提供更加便利的环境。
Small and medium-sized enterprises are an important part of our national economy. They are not only large in number, but also make great contributions to promoting economic development, solving employment problems, promoting scientific and technological progress and easing employment pressure. However, due to the insufficient government support for SMEs, the self-management system of SMEs is flawed and the financial institutions and capital market systems are not sound enough, the development of SMEs faces the problem of financing difficulties and seriously restricts the rapid development of SMEs. Therefore, in order to further develop SMEs, SMEs must start from the enterprises themselves and external environmental factors. On the one hand, SMEs need to improve their overall quality and credit standards. On the other hand, the government should increase its support for SME financing , Establish a more perfect financing guarantee system and improve the financial institutions and capital market system. In addition, commercial banks should broaden the financing channels for SMEs and provide a more convenient environment for the financing of SMEs.