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目前,我国中小企业正获得前所未有的发展,但我国中小企业融资基本上仅依靠金融机构的间接融资,中小企业融资难已成为一个不争的事实。内部原因分析为中小企业自身缺少足够的抵押资产、社会信用偏低、存在过高的经营风险、信息不对称问题突出四个方面,并从国内融资环境不完善、融资交易成本过高、政府政策不够支持三个方面进行了外部原因分析。同时,提出了提高中小企业整体素质,改善其自身融资条件,完善中小企业间接融资体系和加强政府对中小企业融资的扶持力度三项改善中小企业融资现状的措施。
At present, SMEs in our country are gaining unprecedented development. However, the financing of SMEs in China basically depends only on the indirect financing of financial institutions. Financing of SMEs has become an indisputable fact. The internal reasons for the lack of adequate mortgage assets for SMEs themselves, social credit is low, there is high operating risk, the problem of information asymmetry highlighted in four aspects, and from the domestic financing environment is not perfect, financing transaction costs are too high, government policy Not enough support for three aspects of the external cause analysis. At the same time, measures were proposed to improve the financing status of SMEs by improving the overall quality of SMEs, improving their own financing conditions, improving the indirect financing system for SMEs and strengthening government support for SME financing.