中小企业融资不足的原因分析及法律对策  

Analysis of Small and Medium-sized Enterprises’ Financing Bottlenecks and the Legal Measures

作　　者：董静[1] 

机构地区：[1]成都师范学院经济管理系,成都611130

出　　处：《成都师范学院学报》2013年第7期13-15,共3页Journal of Chengdu Normal University

基　　金：成都师范学院2011年院级科研项目"西部地区中小企业融资环境的法律对策建议"(CJYKT11-38)

摘　　要：中小企业融资主要通过银行贷款,而银行在规避风险的前提下总是挑肥拣瘦,造成中小企业"钱景"堪忧。要解决中小企业融资难的现状,这里需要两方向的综合治疗:除了企业自身要练好内功——提升信用级别外,还需政府给企业练好外功,即出台相关法律法规,打破银行的垄断,改革目前的金融体制,让更多的金融机构或投资者参与竞争,构建一个多渠道,全方位的融资平台,才能标本兼治从根本上解决融资难的现状。The small and medium - sized enterprises obtain financing through bank loans, while banks always do the thing of grudging lending under the premise of risk aversion, which results in prospect bleak for the small and medium - sized enterprises. In order to solve the difficulty of small and medium - sized enterprises ＂financing, it is necessary to break the monopoly of banks, reform financial system, make more financial institutions or investors participate in the competition, build a multi - channel and construct full range of financing platform, so that it can fundamentally be solved the financing difficulties of the present situation.

关 键 词：不动产抵押 直接融资 间接融资 民间借贷 放贷人条例 

分 类 号：F830.2[经济管理—金融学]