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本文从中小企业在我国国民经济中的重要作用及现状出发,阐述了中小企业在发展过程中融资的必要性。针对中小企业融资难的现状,系统地分析了中小企业融资难的主要原因。并从完善中小企业金融支持的法律法规建设;大力发展针对中小企业的创业投资服务;允许和鼓励公司制中小企业进行股权融资;转变商业银行经营观念和经营模式;政府方面的政策扶持等方面出发就如何改善中小企业融资,拓宽其融资渠道提出了一些建设性的建议。最后,根据国家现有情况,对中小企业融资的前景进行了展望,并坚信随着国家对中小企业的重视,和对中小企业扶持政策的出台,中小企业融资的春天就要到来。
Based on the important role of small and medium-sized enterprises in the national economy of our country and the status quo, this article elaborates the necessity of financing for small and medium-sized enterprises in the development process. In view of the current situation of small and medium-sized enterprise financing difficulty, the paper analyzes systematically the main reason of small and medium-sized enterprise financing difficulty. And improve the laws and regulations of financial support for SMEs; vigorously develop the venture capital services for SMEs; allow and encourage corporate SMEs to equity financing; change the business concept and business model of commercial banks; government support from the policy aspects Some constructive suggestions are put forward on how to improve the financing of SMEs and broaden their financing channels. Finally, based on the current situation in the country, the prospect of SME financing is prospected. It is also believed that as the state attaches great importance to SMEs and the introduction of policies to support small and medium enterprises, the spring of SME financing will come.