中小企业融资问题探究  

Analysis on the Financing Problem of Small-and-Medium Enterprises

作　　者：左锐[1] 常丽娟[1] 徐玮[1] 

机构地区：[1]西安交通大学会计学院,陕西西安710061

出　　处：《西安财经学院学报》2004年第4期64-67,共4页Journal of Xi’an University of Finance & Economics

摘　　要：中小企业是我国经济增长的重要支柱,但中小企业融资难问题却制约着中小企业的发展。造成中小企业融资难的根本原因在于中小企业自身素质较低、政府支持力度不够、缺乏专门的融资渠道、直接融资渠道不畅通及缺乏贷款担保制度等,解决中小企业融资难的问题,一方面政府要加大对中小企业的扶持,另一方面中小企业要积极拓宽其融资渠道,进行融资方式的创新。Small-and-Medium enterprises are the important pillar of economic growth of our country, but the financing problem of small-and-medium enterprises restricts the development of small-and-medium enterprises. The prime causes lead to financing problems of small-and-medium enterprises lie in: their self-quality of small-and-medium enterprises is low, government support intensity is not enough, lack special financing channels, direct financing channels are blocked and lack loan assure system. The government will increase support to small-and-medium enterprises for the one hand. Small-and-medium enterprises should widen financing channels actively for the other hand, and carry out the innovation of financing pattern to solve the problem of the financing problem of small-and-medium enterprises.

关 键 词：中小企业 融资 银行 政府 

分 类 号：F279.243[经济管理—企业管理]