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改革开放二十几年来,我国的中小企业从改革开放初期就已经成为了中国经济的主要力量。但是中小企业自身发展的情况不容乐观,与我国当前社会主义市场经济体制和经济结构调整时期无法达到一致,中小企业在信贷资金融资方面由于各种原因面临着诸多困难,本文着重研究我国中小企业在信贷融资过程中出现了诸多问题,通过问题及原因最终探求出相应的解决方法,根据中小企业融资难的成因以及融资渠道提出了一些意见,同时来尽快的解决中小企业融资难问题,加快中小企业发展的脚步,促进我国经济平稳有序的发展。
In the two decades since the reform and opening up, China’s small and medium-sized enterprises have become the major force of China’s economy since the reform and opening up. However, the development of small and medium-sized enterprises is not optimistic about themselves and can not be reconciled with the current period of socialist market economic system and economic restructuring in China. SMEs face many difficulties in terms of credit financing because of various reasons. This article focuses on the research of small and medium-sized enterprises There are many problems in the process of credit financing. Through the problems and reasons, we finally find out the corresponding solutions. Based on the reasons for the financing difficulty of SMEs, we put forward some suggestions on the financing channels. At the same time, we should solve the financing problems of SMEs as soon as possible and speed up the development of small and medium-sized enterprises The pace of development, and promote the steady and orderly development of our economy.