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摘要:中小企业应收账款融资虽然取得较大发展，但仍然存在着应收账款融资率和使用率低等问题，不能从根本上满足中小企业的融资需求.中小企业应收账款出现融资困境的主要原因有中小企业信用体系不健全、应收账款评估难、银企间信息不对称;应从健全中小企业信用体系、建立应收账款监控体系、减少银企信息不对称等方面解决中小企业应收账款融资难的问题.
Abstract: Although the financing of accounts receivable of SMEs has made great progress, there are still some problems such as the financing rate of accounts receivable and the low utilization rate, which can not meet the financing needs of SMEs fundamentally. The receivables of SMEs appear Financing difficulties mainly due to the SME credit system is not perfect, assessment of receivables is difficult, information asymmetry between banks and enterprises; SME credit system should be improved, the establishment of receivables monitoring system to reduce information asymmetry between banks and enterprises Solve the problem of financing receivables for SMEs.