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本文在对中小企业内、外部融资现状调查了解的基础上,全面剖析了制约中小企业融资的内部因素——法人治理机制不健全、缺乏有效担保物、产业转型升级乏力。和外部环境因素——政策体制偏好、信息不对称、担保体系不健全等。并指出了要从政府政策扶持、企业自身内部治理、融资渠道体系建设等多层面着手,制定具体的破解融资难的政策、措施,以促进国内中小企业的持续、健康、快速发展。
Based on the investigation of the internal and external financing status quo in SMEs, this paper comprehensively analyzes the internal factors restricting the financing of SMEs - the corporate governance mechanism is not perfect, the effective guarantee is lacking, and the industrial transformation and upgrading are weak. And external environmental factors - the preference of policy system, information asymmetry, guarantee system is not perfect and so on. It also points out that we should formulate specific policies and measures to crack down on financing difficulties in order to promote the sustained, healthy and rapid development of domestic SMEs from the multi-level such as government policy support, enterprise’s own internal governance and financing channel system.