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近年来我国中小企业快速发展,成为社会经济中举足轻重的力量。但在我国当前的社会现实中,由于企业内部管理水平、财务状况透明度差、少数企业缺少信用等企业自身原因,以及社会信用化程度低、法制体系不健全、政府机构和社会中介组织发育不充分、融资渠道不畅通等企业外部原因,造成中国中小企业融资难现状。本文将分析中国中小企业的融资现状、特点及当前的融资环境,探讨国外中小企业融资情况及国外商业银行对中小企业融资的经验,提出解决中国中小企业融资问题的对策。
In recent years, the rapid development of SMEs in our country has become a pivotal force in the social economy. However, in the current social reality in our country, due to the internal management level of enterprises, the poor transparency of the financial situation, the lack of credibility of a few enterprises and other enterprises themselves, as well as the low level of social credit, the legal system is not perfect, and government agencies and social intermediary organizations are underdeveloped , Poor access to financing and other external causes of enterprises, resulting in the status quo of financing for SMEs in China. This article will analyze the status quo and characteristics of China’s SMEs financing and the current financing environment to explore the financing situation of foreign SMEs and foreign commercial banks to SME financing experience and propose solutions to the financing problems of SMEs in China.