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据统计资料,截止2014年9月,我国中小企业数量在数量、提供就业、贡献GDP、税收等方面都占据了大多数份额,除此之外,中小企业在促进技术创新、降低交易成本、提高社会生产效率、促进市场竞争、活跃市场等方面起着越来越重要的作用,已经和大型企业并驾齐驱,成为带动着国民经济的发展的重要动力。然而中小企业的发展状况却并非如此乐观,其由于自身结构不规范、财务不透明等原因,发展中遇到融资问题却很难寻得合适的资源。鉴于我国中小企业在数量和国民经济中都占据重要地位,同时我国市场并非资本资源稀缺而只是分配不均,这就代表了中小企业融资难问题有得以解决的可能。本文试通过综合中小企业融资难现状,分析导致这种困境的内因和外因,并结合市场上已经出具规模的融资工具或办法来探析解决中小企业融资难问题的有效办法。
According to statistics, as of September 2014, China’s small and medium-sized enterprises account for the majority of the share of SMEs in terms of quantity, employment, contribution to GDP and tax revenue. In addition, SMEs are promoting technological innovation, lowering transaction costs and raising Social productivity, promoting market competition, and active markets. It has become an important driving force for the development of the national economy and has kept pace with the large-scale enterprises. However, the development of SMEs is not so optimistic. Due to its own non-standard structure and financial opacity, the development of SMEs is hard to find suitable resources. In view of the fact that SMEs in our country occupy an important position in both quantity and national economy, meanwhile, the market of our country is not scarce with only scarce capital resources but with uneven distribution. This shows that it is possible to solve the problem of financing for SMEs. This article tries to analyze the internal and external causes of this dilemma by integrating the current financing difficulties of small and medium-sized enterprises, and explore effective ways to solve the financing difficulties of small and medium-sized enterprises by combining the financing instruments or measures that have been issued on the market.