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在我国中小企业发展过程中,广大中小企业反映最多的困难就是融资难题。就我国目前状况来看,渠道单一和已有渠道梗塞不畅是造成中小企业融资困难的两大因素。克服这些困难,需要中小企业自身、银行等金融机构和政府的多方参与。中小企业应有效利用各种现有融资渠道,树立良好信用形象,壮大企业实力以获得更多的可担保品,同时努力提高自身金融素质;银行则应抛弃所有制歧视观点,加快金融创新,规范信用担保体系;最后,政府要做的就是适度、有效干预和引导经济,建立完善的法律支持体系和中小企业融资体系。
In the process of the development of SMEs in our country, the majority of SMEs reflect the most difficult problem is the financing problem. Judging from the current situation in our country, the single channel and the poor blockage of existing channels are two major factors that have caused the financing difficulties of SMEs. Overcoming these difficulties requires the involvement of many small and medium-sized enterprises themselves, banks and other financial institutions and governments. SMEs should make effective use of various existing financing channels, establish a good credit image, strengthen their strength to obtain more collateral, and strive to improve their own financial quality. Banks should abandon the discriminatory viewpoint of ownership, speed up financial innovation and standardize credit Finally, what the government needs to do is to moderately and effectively intervene and guide the economy, establish a sound legal support system and a financing system for SMEs.