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中小企业在经济发展整体中所具有的地位和作用已被人们普遍认识。但是同国内外的情况一样,中小企业融资难问题已经成为当前制约我省中小企业壮大及可持续发展的主要阻碍之一。通过对我省中小企业融资环境、融资现状的调查发现,我省中小企业融资难集中表现在银行贷款难以及直接融资渠道狭窄。原因涉及宏观因素、商业银行运作管理机制、企业自身以及担保机构等许多方面。其中,既有国内外通行的共性原因,也有我省的经济社会发展状况环境所决定的特殊原因。为此,我们认为解决这一问题的措施应是一个系统工程。要通过全社会的努力,在企业、金融机构和政府三者之间形成顺畅的、合理的市场经济关系:强化政府对中小企业的支持作用;建立健全面向中小企业的金融体系;改善银行业务运作管理机制;积极推进中小企业融资的渠道多元化、方式市场化、手段规范化和结构合理化。最后,还要推进中小企业改革,培育自我积累潜力,提高信用水平和融资能力。
The status and role of SMEs in the overall economic development have been widely recognized. However, as with the situation both at home and abroad, the problem of financing for SMEs has become one of the major obstacles that now restrict the growth and sustainable development of SMEs in our province. Through the investigation of the financing environment and financing status of SMEs in our province, it is found that the financing difficulties of SMEs in our province are mainly reflected in the difficulty of bank loans and the narrow financing channels. The reasons involve macroeconomic factors, the operation and management mechanism of commercial banks, the enterprises themselves and the guarantee agencies. Among them, there are both common reasons both at home and abroad and special reasons determined by the economic and social development conditions in our province. For this reason, we think that the solution to this problem should be a systematic project. Through the efforts of the whole society, a smooth and rational market economy should be formed between enterprises, financial institutions and the government: to strengthen the government’s support for small and medium-sized enterprises; to establish and improve the financial system for SMEs; to improve the operation of banking businesses Management mechanism; actively promote the diversification of SME financing channels, the way the market, standardized means and structure rationalization. Finally, we should also promote the reform of SMEs, cultivate the potential for self-accumulation, and improve the credit quality and financing ability.