论文部分内容阅读
融资对中小企业的发展起着举足轻重的作用,但我国的中小企业却普遍面临着融资难的困境。为了解决这一难题,文章首先分析我国中小企业融资难的现状,然后从仿生学的角度展开研究,指出了金融生态系统中阻碍中小企业融资的三大限制。即金融服务体系不健全、信息不对称、中小企业自身限制;并提出通过建立完善的金融服务体系、设计有效的信息传递机制、提高中小企业自身素质采建立完善的金融生态系统是解决中小企业融资难的有效手段。
Financing plays a decisive role in the development of SMEs, but SMEs in China are generally faced with the difficulties of financing. In order to solve this problem, the article first analyzes the current situation of financing difficulties of SMEs in our country, and then studies from the perspective of bionics, pointing out three major constraints that hinder the financing of SMEs in the financial ecosystem. That is, the financial service system is not perfect, the information is not symmetrical, SMEs own limitations; and proposed that through the establishment of a sound financial service system, the design of effective information delivery mechanism to improve their own quality of SMEs to establish a sound financial ecosystem is to solve the financing of SMEs Difficult effective means.