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目前,融资难已成为制约中小企业进一步发展的瓶颈。据统计,2001年,中小企业数量占全国规模以上的企业数的比例达99.14%,在国内生产总值、工业新增产值、社会销售总额、实现利税和出口总额分别占比50.50%、76.60%、7.10%、43.20%和60%。截至2002年底,我国金融机构各项贷款余额为184024.50亿元,而乡镇企业与民营企业的贷款余额为7871.10亿元,仅占4.28%。由此可见,中小企业融资顺利是其做大做强的根本保证,另外合理的融资结构则有利于中小企业规避财务风险,使其在激烈的市场竞争中处于有利的地位。
At present, financing difficulties have become the bottleneck restricting the further development of SMEs. According to statistics, in 2001, the proportion of small and medium-sized enterprises in the number of enterprises above designated size reached 99.14%, accounting for 50.50% and 76.60% of the total respectively in terms of gross domestic product, newly added industrial output, total social sales, total profits realized and total exports. , 7.10%, 43.20% and 60% respectively. As of the end of 2002, the balance of various loans of financial institutions in China was 184.0245 billion yuan while the loan balance of township and village enterprises and private-owned enterprises was 787.110 billion yuan, accounting for only 4.28%. This shows that the smooth financing of SMEs is the fundamental guarantee of its bigger and stronger, while a reasonable financing structure is conducive to SMEs to circumvent financial risks, making it in a fierce market competition in a favorable position.