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中小企业在解决就业方面具有重要作用,大力发展中小企业,尤其是民营中小企业,是目前解决我国就业问题的一个主要途径。中小企业在高新技术的产业化、市场化方面也比大企业干得出色,随着我国经济的不断发展,市场体制的不断完善,小企业在技术创新和高新技术产业化方面的作用将越来越大。然而,中小企业在经济竞争中往往处于劣势地位,这主要体现在融资问题上。对于一个问题的解决,首先要弄清楚其产生原因,本文综合探讨了中小企业融资不足存在的原因,这些主要原因大多是非市场因素,包括信息不对称、垄断和法律制度等。
SMEs play an important role in solving employment. To develop small and medium-sized enterprises (SMEs), especially small and medium-sized private-owned enterprises, is one of the main ways to solve the employment problem in our country. SMEs are also doing a better job than large enterprises in the industrialization and marketization of high-tech industries. As China’s economy continues to develop and the market system continues to improve, the role of small enterprises in technological innovation and high-tech industrialization will be more and more The bigger However, SMEs are often at a disadvantage in economic competition, which is mainly reflected in the issue of financing. For a solution to a problem, we must first find out the causes. This paper discusses the reasons for the lack of financing for SMEs. The main reasons are mostly non-market factors, including information asymmetry, monopoly and legal system.