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改革开放以来,中小企业已经日益成为我国经济、社会发展中的重要力量。但中小企业面临的市场环境仍然不容乐观,中小企业发展依然受到筹资难、融资难的制约。在当前宏观调控和从紧货币政策的背景下,中小企业的发展面临更加严峻的挑战,破解融资难问题也就更为迫切。本文在分析我国中小企业自身特殊性及融资困境特征的基础上,阐述了我国中小企业融资困境的的主要原因及制约因素,提出构建财政与金融有效对接的融资模式,以更好解决我国中小企业融资困境。
Since the reform and opening up, small and medium-sized enterprises have increasingly become an important force in China’s economic and social development. However, the market environment faced by SMEs is still not optimistic. The development of SMEs is still subject to difficulties in financing and financing. Under the current macro-control and tight monetary policy, the development of SMEs is facing more severe challenges and it is even more urgent to crack down the financing difficulties. Based on the analysis of the particularity of SME in our country and the characteristics of financing predicament, this article elaborates the main reasons and restrictive factors of SME financing predicament in our country, and puts forward that it should build a financing model of effective connection between finance and finance in order to better solve the problems of small and medium-sized enterprises Financing difficulties.