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中小企业作为国民经济的重要组成部分,长期以来面临着融资难的问题。不同企业在资金需求的类型上存在明显差异,中小企业融资需求可以划分为3种基本类型:研发融资需求、流动资金融资需求和固定资产融资需求。本文对各类融资需求进行了进一步分析,发现不同融资需求应区别对待:研发融资需求是政府应给予重点关注的对象;流动资金融资需求,应从金融体制改革上着手;固定资产融资需求的解决更需要依赖于市场经济的力量,通过市场竞争机制优胜劣汰。最后作者针对中小企业的三类融资需求,提出了相应的管理对策和建议。
As an important part of the national economy, SMEs have long been facing the problem of financing difficulties. There are obvious differences in the types of funds needed by different enterprises. The financing needs of SMEs can be divided into three basic types: research and development financing needs, liquidity financing needs and financing requirements for fixed assets. This paper further analyzes the various financing needs and finds that different financing needs should be treated differently: R & D financing needs is the government should give the focus of the object; liquidity financing needs, should proceed from the financial system reform; fixed asset financing needs to solve more Need to rely on the power of market economy, through the market competition mechanism survival of the fittest. In the end, the author puts forward corresponding management countermeasures and suggestions according to the three types of financing needs of SMEs.