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在世界金融危机的影响下,我国许多中小企业纷纷倒闭,融资难而导致资金链出现缺口是倒闭的主要原因之一。这使得“融资难”这一制约中小企业发展的瓶颈又一次凸显。本文首先对中小企业融资难的原因进行分析,内部原因主要是中小企业自身的局限,外部原因则可归结为政府和金融机构长期以来的政策偏向。针对以上原因,本文提出了三条对策:一是加强政府信用担保支持力度,二是增加中小金融机构等的间接融资渠道,三是建立健全二板市场。
Under the influence of the world financial crisis, many small and medium-sized enterprises in our country have closed down in succession. The lack of financing led to the emergence of a capital chain gap is one of the main reasons for the collapse. This makes the bottleneck that restricts the development of small and medium-sized enterprises “financing ” again highlights. This paper first analyzes the reasons for the difficulty of SME financing. The internal reasons are mainly the limitations of SMEs. The external causes can be attributed to the long-term policy bias of the government and financial institutions. In view of the above reasons, this article puts forward three countermeasures: First, strengthen the government credit guarantee support; second, increase the indirect financing channels for small and medium financial institutions; third, establish and perfect the second board market.