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目前,融资难已成制约中小企业发展的瓶颈。大力发展中小金融业,创新金融产品,是解决中小企业融资难的必由之路。本文从我国中小企业融资的现状着手,从建立中小金融机构的专门立法角度探索了解决中小企业融资问题的路径,指出应适时制定《中小金融业法》,明确中小金融机构的服务对象,促使中小金融机构与中小企业建立新型的银企关系,鼓励中小金融机构业务品种的创新。
At present, financing has become a bottleneck restricting the development of SMEs. Vigorous development of small and medium financial industry, innovative financial products, is the only way to solve the financing difficulties of small and medium enterprises. Based on the current situation of SME financing in our country, this paper explores the solution to the financing problem of SMEs from the perspective of establishing a special legislation for small and medium-sized financial institutions. It points out that the “Small and Medium-sized Financial Industry Law” should be formulated in time so as to clarify the service targets of small and medium-sized financial institutions, Financial institutions and SMEs to establish a new relationship between banks and enterprises to encourage small and medium financial institutions business innovation.