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在广大发展中国家,随着中小企业的快速发展,它已经逐步成为本国实现现代化和工业化的重要保障,同时也是国民经济发展的重要力量。但是,当前中小企业发展还面临着一些问题,融资困难尤为严重。中小企业融资困难一般是企业的经营理念落后、资本与技术构成太低以及业绩不稳定等原因造成的。为了能够克服发展中国家融资难的问题,必须不断优化政府、银行以及企业三者之间的关系,加强中小企业融资的良性循环。
In the vast number of developing countries, with the rapid development of small and medium-sized enterprises, it has gradually become an important guarantee for the country’s modernization and industrialization, and it is also an important force for the development of the national economy. However, there are still some problems facing the current development of SMEs, and the financing difficulties are particularly serious. Difficulties in financing SMEs are generally caused by the business philosophy behind, too low capital and technology composition and performance instability and other causes. In order to overcome the financing difficulties of developing countries, we must continuously optimize the relations among the government, banks and enterprises so as to enhance the virtuous cycle of financing for SMEs.