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近年来,中小企业融资难已经成为一个较为普遍的问题,对于大部分中小企业而言,银行贷款仍然是其扩大生产规模的一个重要途径。国家政策对于金融机构向中小企业发展贷款也不断地提出要求和督促。但是尽管如此,当前金融机构出于自身经营目标和风险把控的考虑,对中小企业进行放贷仍是非常审慎的。因此金融机构融资供给和中小企业融资需求之间的矛盾也始终未能得到全面有效的解决。在世界经济的发展中,世界各国都在不同时期遇到过不同表现形式的中小企业融资难的问题,在解决问题的过程中也积累了一定的成功经验。因此,我国可以从中得到启发,借鉴成功的经验,对现有融资模式的缺陷进行改革,加强对民间资本的利用,提高融资效率,才能解决好中小企业融资难的问题,进而促进中小企业的长久发展。
In recent years, financing of SMEs has become a more common problem. For most SMEs, bank loans are still an important way for them to expand their production scale. National policies also constantly demand and urge financial institutions to develop loans to SMEs. However, in spite of this, it is still very cautious for the current financial institutions to lend to small and medium-sized enterprises for the control of their own business objectives and risks. Therefore, the contradiction between the financing of financial institutions and the financing needs of SMEs has not been fully and effectively solved. In the development of the world economy, all countries in the world have encountered difficulties in financing SMEs in different manifestations at different times and have accumulated some successful experiences in the process of solving problems. Therefore, our country can learn inspiration from it, learn from the successful experience, reform the defects of the existing financing mode, strengthen the use of private capital and improve the financing efficiency so as to solve the financing difficulty of small and medium-sized enterprises and promote the long-term development of small and medium-sized enterprises development of.