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国内一部分学者认为,产权是中小企业融资难的主要原因,即民营企业在融资方面会或多或少地受到歧视。而笔者认为,中小企业融资难并不是中国特色,而是世界性的难题,不仅存在于新兴市场经济体,即便是在欧美发达国家,中小企业依然普遍存在着融资饥渴症。因此,产权属性问题不是中小企业融资难的主要原因,借贷双方的信息不对称才是导致中小企业融资难的根本。要解决这个问题可以从以下方面着手:
Some domestic scholars believe that property rights is the main reason for the difficulty of SME financing, that is, private enterprises will be more or less discriminated in terms of financing. The author believes that SME financing is not difficult with Chinese characteristics, but a worldwide problem, not only exist in emerging market economies, even in developed countries in Europe and America, SMEs still widespread financing thirst. Therefore, the issue of property rights is not the main reason for the difficulty of SMEs financing, information asymmetry between the lenders and borrowers is the root cause of SMEs financing difficulties. To solve this problem can be from the following aspects: