我国农村中小企业融资困境及对策  

Financing Problems of Rural Small and Medium-Sized Enterprises of China and Their Countermeasures

作　　者：郑备军[1] 陈逸行 

机构地区：[1]浙江大学经济学院,浙江杭州310027

出　　处：《绍兴文理学院学报》2016年第5期108-112,共5页Journal of Shaoxing University

基　　金：浙江大学恒逸民营经济研究基金项目"中国中小企业融资机制与创新--基于传统信用模式"之阶段性成果

摘　　要：我国农村中小企业面临融资困境。本文对我国农村中小企业的融资需求特点及现状进行分析,研究发现我国农村中小企业融资渠道狭窄,申请金融机构贷款困难,融资风险大,而造成农村中小企业融资难的原因主要是信贷供求的不平衡以及企业文化与授信文化之间的巨大落差。要破解我国农村中小企业融资困境,需从供给制度上进行创新,加快推进金融基础设施建设,鼓励金融机构创新产品和服务方式。Financing difficulties of rural SMEs is a reality problem in our country. This paper analyzes the char-acteristics of financing needs of rural SMEs and the causes of SME financing difficulties in terms of supply and demand. It is found that China’s rural small and medium-sized enterprises have narrow financing channels. It is difficult for them to apply for financial institutions loans for the imbalance of supply and demand as well as the huge gap between enterprise culture and the credit culture. To solve this problem, it is necessary to accelerate the financial infrastructure construction and encourage financial institutions to innovate products and services.

关 键 词：农村中小企业 融资困境 对策 授信文化 

分 类 号：F276.3[经济管理—企业管理]