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众所周知,中小企业是我国国民经济和社会平稳发展的重要力量。然而,随着2007年以来席卷全球的金融危机的爆发,我国中小企业面临着前所未有的生存挑战。国家统计局于2011年抽样调查的3.8万家小型微型工业企业经营状况显示,仅有15.5%的小型微型企业能够获得银行贷款。显然,融资难已成为我国中小企业提高市场竞争力的瓶颈。融资活动是在金融政策的引导下和金融制度的规范下进行的,然而现有的金融政策体系却不能确保充分有效地输
As we all know, small and medium-sized enterprises are an important force for the steady development of our national economy and society. However, with the outbreak of the financial crisis sweeping the world since 2007, SMEs in our country are faced with the unprecedented challenge of survival. The operating status of 38,000 small micro-industrial enterprises surveyed by the National Bureau of Statistics in 2011 shows that only 15.5% of the small micro-enterprises can obtain bank loans. Obviously, financing has become a bottleneck for SMEs in China to improve their market competitiveness. Financing activities are conducted under the guidance of financial policies and the rules of the financial system. However, the existing financial policy system can not ensure the full and effective transport