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一、中小企业融资的现状(一)中小企业融资渠道窄。中小企业大多是靠自我积累、自我筹资发展起来的,自有、积累及向亲友借贷等内源性融资占的比重较高。然而,随着企业的发展,向银行、信用社等间接的外源性融资依赖程度提高。中小企业一般无法进入股市或债市进行直接融资,另外我国的产业基金、风险投资等也还处于起步阶段,所以,我国中小企业目前基本上是只能依靠银行等金融机构的间接融资。
First, the status of SME financing (A) SME financing channels narrow. Most SMEs rely on self-accumulation and self-financing to develop their own, to accumulate and borrow from relatives and friends and other endogenous financing accounted for a higher proportion. However, with the development of enterprises, indirect dependence on exogenous financing to banks, credit unions and the like has increased. SMEs are generally unable to enter the stock market or bond market for direct financing. In addition, China’s industrial funds, venture capital and others are still in their infancy. Therefore, SMEs in our country basically can only rely on the indirect financing of banks and other financial institutions.