关于中小企业“融资难”问题的对策研究——基于台湾经验和启示  

A Study on the Solutions to Financing Difficulties of Small and Medium-sized Enterprises-Based on Taiwan's Experience and Implications

作　　者：朱健齐 林泽兰 苏志伟[2] 

机构地区：[1]汕头大学商学院金融系,广东汕头515063 [2]中国海洋大学经济学院,山东青岛266100

出　　处：《中国海洋大学学报（社会科学版）》2018年第1期77-89,共13页Journal of Ocean University of China(Social Sciences)

摘　　要：在我国大力推进普惠金融进程的过程中,中小企业"融资难"问题可以说是"重中之重"。如何有效地缓解中小企业"融资难"问题,历来是政府、金融机构、学术界研究的重点,在文献梳理的基础上,本文将我国大陆和台湾地区两地的中小企业融资服务进行对比,发现,目前大陆地区在中小企业融资服务存在以下不足:一是缺乏政策性的中小企业银行;二是融资担保体系还有待完善;三是扶持中小企业的专项资金多,产业基金较少;四是大陆征信来源分散;五是对中小企业"辅导"程度不够。为促进大陆地区中小企业的发展,笔者在借鉴台湾优秀经验的基础上提出以下建议:设立专门管理中小企业的机构;建立政策性的中小企业银行;完善中小企业信用担保体系;设立中小企业辅导中心;建立中小企业征信中心。As China is promoting inclusive financial system, "financing difficulties" in small and medium-sized enterprises(SMEs)has become a concern.Based on the analysis of the reasons of and solutions to the problems of financing difficulties in SMEs,the author compared the financing service system of SEMs in Taiwan with that in China's Mainland,and found that the problems of SMEs financing service system in China's Mainland are as follows:first,it lacks policy banks for SMEs;second,the financing guarantee system has yet to be improved;third,to support SMEs,the government provides more special funds,but less industry funds;fourth,the mainland credit sources are various;finally, "counseling" service for SMEs is insufficient.To promote the development of small and medium enterprises,the author learns from Taiwan's excellent experience and puts forward the following proposals:establishing the special organization in charge of SMEs and policy banks for SMEs,perfecting the credit guarantee system of SMEs,setting up the SMEs counseling center and establishing the SMEs credit information center.

关 键 词：中小企业融资 台湾中小企业融资服务经验 中小企业融资辅导体系 

分 类 号：F276.3[经济管理—企业管理]