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自改革开放以来,我国中小企业发展迅速,对我国的经济发展发挥了巨大作用。然而,由于中小企业自身的缺陷以及整个金融体制的问题,中小企业一直面临着融资困难的威胁。本文首先了解了我国中小企业融资难的现状及国内外学者针对这个问题已经进行的研究,在此基础上分析了导致这种状态的原因,通过将罗列的诸多表层原因进行归纳总结后,我认为最根本的问题是中小企业自身经营特点与现有金融体系不匹配。因此,本文从企业自身、直接融资渠道改革、间接融资渠道改革三个方面提出建议,希望能对我国中小企业融资难的状况有所帮助。
Since the reform and opening up, the rapid development of SMEs in our country has played a significant role in the economic development of our country. However, due to the shortcomings of SMEs themselves and the entire financial system, SMEs have been faced with the threat of financial difficulties. This article first understands the current situation of SME financing difficulty in our country and the domestic and foreign scholars have carried on the research to this question already, based on this, has analyzed the reason which causes this kind of condition, after summarizing many surface reasons which listed, I think The most fundamental problem is that the SME’s own operating characteristics do not match the existing financial system. Therefore, this article from the enterprise itself, the direct financing reform, indirect financing reform three aspects of the proposal, hoping to help SMEs financing difficult situation.