有调查显示,我国中小企业融资供应的98.7%来自银行贷款,直接融资仅占1.3%;而美国中小企业资金来源中股权融资占到18%。特别是我国中小企业自有资金缺乏,获得的金融资源明显不平衡,而且直接融资渠道窄,难以通过资本市场公开筹集资金。制约了企业自身信息化的快速发展。 A survey shows that 98.7% of China’s SME financing supply from bank loans, direct financing accounted for only 1.3%; while the US SMEs financing equity financing accounted for 18%. In particular, the lack of self-owned funds for SMEs in our country leads to a clear imbalance in the access to financial resources and the direct financing channels are narrow and it is difficult to raise funds publicly through the capital markets. Restricting the rapid development of enterprise information.