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中小企业融资困境众说纷纭,笔者认为中小企业融资困境主要集中和表现在直接融资方面,其他融资渠道不适宜用困境表达。中小企业直接融资困境的产生主要在于中小企业自身和其他微观经济主体的诚信缺失、道德风险大,以及银行等金融机构在能够稳定性地获得高利润的背景下,缺乏考虑银行自身可持续发展的改革动力和向中小企业等贷款改革魄力,为此从国家和中小企业角度看要重视诚信、逐步建立和完善企业征信体系,加大银行的竞争化改革。
The financing difficulties of SMEs are widely divided. The author believes that the financing difficulties of SMEs are mainly concentrated in the direct financing, and other financing channels are not suitable for expression in dilemma. The dilemma of direct financing for small and medium-sized enterprises mainly lies in the lack of honesty and credit, the moral hazard of SMEs themselves and other microeconomic subjects, and the lack of consideration of the sustainable development of banks under the background that financial institutions such as banks can consistently obtain high profits Reform drive and SMEs and other loans reform courage, from the perspective of the state and SMEs should attach importance to integrity, and gradually establish and improve the corporate credit reporting system, increase the bank's competitive reforms.