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中小企业在我国国民经济发展中起了非常重要的作用,但中小企业融资难问题已经严重阻碍了中小企业的发展。本文着重分析了中小企业融资现状及其形成原因,中小企业自身经营和信用问题、我国现有的金融体制以及政府缺乏支持及现存的社会环境是融资难的主要障碍;并针对存在的问题,从企业自身、金融机构及政府三个角度出发提出一些解决企业融资难的政策建议。
Small and medium-sized enterprises play a very important role in the development of our national economy. However, the problem of financing for SMEs has seriously hindered the development of small and medium-sized enterprises. This article focuses on the analysis of the financing status of SMEs and its formation, SME self-management and credit issues, the existing financial system in our country and the lack of government support and the existing social environment is the main obstacle to financing; and for the problems, from Enterprises themselves, financial institutions and the government set out from a number of perspectives to solve some of the difficulties in corporate financing policy recommendations.