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后危机时代由于经济布局、金融体制、融资担保、信用体系及财务制度等制约中小企业融资的深层次问题没有得到根本性解决,中小企业融资难现象依然较为突出,资金问题仍然是制约中小企业发展的瓶颈。切实解决中小企业融资难问题,政府要转变经济发展思路,从政策、资金等各方面加大对中小企业的扶持力度,大力发展为中小企业服务的中小金融机构,加快构建和完善中小企业信用体系,扶持、规范和发展中小企业担保公司,建立中小企业财务人员的定期免费培训制度,为中小企业发展创造良好的融资环境。金融机构要进一步转换经济机制和思路,建立符合中小企业特色的信用评价和信贷标准,从信贷产品、贷款门槛、审批流程等各方面为中小企业融资创造条件。中小企业自身更要加强内部管理,规范经营,建立和完善财务制度,为拓宽融资渠道创造积极条件等。
In the post-crisis era, the deep-seated problems that restrict the financing of SMEs have not been fundamentally solved due to the economic layout, financial system, financing guarantee, credit system and financial system, the financing difficulties of SMEs are still outstanding, and the funding issue is still restricting the development of small and medium-sized enterprises Bottleneck To effectively solve the problem of financing for small and medium-sized enterprises, the government should change its thinking on economic development, increase the support for small and medium-sized enterprises in terms of policies and funds, vigorously develop small and medium-sized financial institutions serving SMEs, speed up the construction and improvement of the credit system for small and medium-sized enterprises , Support, regulate and develop SME guarantee companies, set up a regular free training system for SME finance personnel, and create a favorable financing environment for the development of SMEs. Financial institutions should further change their economic mechanism and train of thought, set up credit evaluation and credit standards that are in line with the characteristics of SMEs, and create conditions for SME financing in all aspects including credit products, loan thresholds and approval procedures. SMEs should strengthen their own internal management, standardize their operations, establish and improve their financial systems, and create positive conditions for broadening financing channels.