目前,我国经济总量全球第二,外汇储备全球第一,储蓄率也是全球第一,资金面较充裕。中小企业在这种资本环境中,本该在融资方面如鱼得水,却反而陷入了融资困境。有人分析,这是社会资本被大量转移甚至透支到投机领域的结果。这种分析似乎少了一个关键环节——银行。银行在我国是垄断性的,具有配置资本的至高无上的权利。若进一步分析,可知体制下的融资是讲究规则的。中小企业大多是民营,当然不会受到银行的青睐。那么,中小企业怎样融资?借高利贷,无异于“饮鸩止渴”;集资,又可能是违法 At present, China ranks second in the world in terms of total economic output, ranks first in the world in terms of foreign exchange reserves, and ranks first in the world in terms of savings rate and ample capital. In this kind of capital environment, small and medium-sized enterprises should have got enough finances for financing but instead have been caught in financing difficulties. Some people have analyzed that this is the result of a large amount of social capital being transferred or even overdrawn into speculative areas. This analysis seems to be a key link - the bank. Banks are monopolistic in our country and have the supremacy of the right to allocate capital. If further analysis shows that the financing system is pay attention to rules. SMEs are mostly private, of course, will not be favored by banks. So, how to finance SMEs? By usury, is tantamount to “drink quenching thirst”; fund-raising, it may be illegal