用系统性思维解决我国中小企业融资难问题  

On Easing of Difficult Capitalization for SMEs with Systematic Thinking

作　　者：张建森[1] 余鹏[1] 吴金福[1] 

机构地区：[1]综合开发研究院(中国.深圳),广东深圳518029

出　　处：《开放导报》2011年第6期44-48,共5页China Opening Journal

摘　　要：由于信息不对称、高风险、缺少抵押品及管理体制落后等原因,中小企业融资难成为一个全球性的问题。我国中小企业融资难问题可以归结到企业自身缺陷和金融机构过高的运营成本上。本文分析了中小企业融资难问题的成因,为中国中小企业摆脱融资困境提供了政策建议。Small and medium enterprises（SMEs） play a key role in developing national economies. However, the difficulties of SMEs Financing are prevailing globally for reasons of information asymmetry, high risk, and lack of collateral and unfavorable regulatory system. The problem of SMEs Financing difficulties can be ascrihed to the defects of enterprises and the high operation cost of financial institutions. Therefore, it is crucial to reduce the operation risk of SMEs, encourage commercial banks to supply credit to SMEs and reform the existing financial system to solve the prohlem. This paper analyses the reasons of SMEs financing difficulties and push forward the policy suggestions in assisting SMEs to address financing difficulties by combining the domestic and foreign experiences.

关 键 词：中小企业融资 系统性思维 金融创新 

分 类 号：F276.3[经济管理—企业管理]