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一方面,中小企业融资渠道不畅,融资难问题突出;另一方面,民间金融有着巨大的市场空间,对解决中小企业融资难问题具有理论和实践上的可行性,两者之间存在相互促进相互发展的巨大需求。然而,我国中小企业利用民间金融缓解资金压力仍然存在着诸多的实际问题。文章就中小企业利用民间金融融资过程中的问题进行了分析,并提出了相关的规范建议。
On the one hand, the financing channels for SMEs are sluggish and financing problems are outstanding; on the other hand, private finance has huge market space and is theoretically and practically feasible for solving the financing difficulties of SMEs. There is mutual promotion between the two The huge demand for mutual development. However, there are still many practical problems that SMEs in China use private finance to ease the financial pressure. The paper analyzes the problems in the process of using private financial financing by SMEs, and puts forward relevant normative suggestions.