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改革开放以来,我国的中小企业发展迅速,并且在整个国民经济中发挥着越来越重要的作用,可以说中小企业是我国经济中的“活跃因子”。它的存在为我国经济快速发展、产品创新、出口增长和促进城镇就业等方面做出了重要贡献。然而目前我国中小企业在发展过程中面临资金匮乏、从金融机构贷款难的突出问题。本文从中小企业、金融机构和政府三个方面分析了该问题的成因,并提出相应的解决措施。
Since the reform and opening up, China’s SMEs have been developing rapidly and playing an increasingly important role in the entire national economy. It can be said that SMEs are the “active factor” in our economy. Its existence has made important contributions to China’s rapid economic development, product innovation, export growth and promotion of urban employment. However, at present, SMEs in our country face the outstanding problems of lack of funds and loans from financial institutions in the process of development. This article analyzes the causes of this problem from three aspects: small and medium-sized enterprises, financial institutions and government, and puts forward corresponding solutions.