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改革开放之后,我国的经济飞速发展,中小企业的数量急剧增加。中小企业几乎涵盖了所有的行业,在我国的现代会建设中起着基础性的作用。但是,由于规模较小,在寻求发展时不可避免的会受到资金的约束。中小企业融资难的问题一直存在着。非正规融资在缓解中小企业融资难方面发挥着十分重要的作用。本文从中小企业融资难的现状及原因入手,研究了非正规融资对中小企业发展的重要性及适应性,并在此基础上就规范发展中小企业非正规融资提出了建议。
After the reform and opening up, the economy of our country has been developing rapidly and the number of SMEs has risen sharply. SMEs cover almost all industries and play a fundamental role in the construction of modern society in our country. However, due to their small size, they are inevitably constrained by funding when seeking development. The problem of SME financing has always existed. Informal financing plays a very important role in alleviating the financing difficulties of SMEs. Based on the current situation and reasons of SMEs financing difficulties, this paper studies the importance and adaptability of informal financing to the development of SMEs, and on this basis, puts forward suggestions on regulating the informal financing of SMEs.