目前,我国企业总量的90％为中小企业,工业产量的60％和实现利税的40％来自中小企业。中小企业还吸纳了75％的就业人口,为我国国民经济的发展作出了贡献。但是中小企业在发展过程中普遍面临着一个融资难的问题。笔者试就这一问题作以下探讨。 原因 一、融资渠道不多。在当前的融资渠道中中小企业主要是以国有商业银行为主的信贷体系。民营银行、地方性商业银行是近几年才开始的实践,实力不大,数量不多。除此以外,企业的另一重要融资渠道是通过资本市场直接融资和发行企业债券。但是以中小企业的规模及实力,想迈进这个门槛非常困难。 At present, 90% of China's total enterprises are SMEs, 60% of industrial output and 40% of profits and taxes come from SMEs. SMEs have also absorbed 75% of the employed population and contributed to the development of our national economy. However, SMEs generally face a problem of financing difficulties in their development. I try to make the following discussion on this issue. First, there are not many financing channels. In the current financing channels, SMEs are mainly based on the state-owned commercial banks credit system. Private banks and local commercial banks have not started their practice in recent years. They are not very powerful and have a small number. In addition, another important financing channel for enterprises is through direct financing in the capital market and issuance of corporate bonds. However, considering the scale and strength of SMEs, it is very difficult to move forward with this threshold.