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从理论上讲,中小企业可以选择的融资方式是很多的,如直接融资,有风险投资(又称创业投资),发行债券,民间借贷、发行股票、通过商业信用进行预付或赊销等。间接融资,主要是来自银行或其它非银行金融机构。但实际上中小企业选择融资的余地并不大,融资渠道相对狭窄,并且更多地局限于间接融资(信贷融资)。因此,信贷融资在中小企业融资方式中占绝对主导地位,并且这种格局在以后的很长时间内不会有根本性改变。中小企业要学会利用各种金融工具拿到自己称心如意的金融产品。
Theoretically speaking, there are many financing options that SMEs can choose, such as direct financing, venture capital (also known as venture capital), issuance of bonds, private lending, issuance of stocks, and advance credit or credit sales through commercial credits. Indirect financing is mainly from banks or other non-bank financial institutions. However, in reality SMEs have little room to choose financing, and the financing channels are relatively narrow, and they are more limited to indirect financing (credit financing). Therefore, credit financing occupies an absolute dominant position in the financing of SMEs, and this pattern will not be fundamentally changed in the long run. SMEs must learn to use various financial tools to get their own financial products that they like.