试析中小企业信贷融资约束及策略  

Analysis on the Credit Financing Constraints and Strategies of Small and Medium-sized Enterprises

作　　者：王琳 WANG Lin(School of International Trade and Economics,UIBE)

机构地区：[1]对外经济贸易大学国际经济贸易学院

出　　处：《商展经济》2021年第6期76-78,共3页Trade Fair Economy

摘　　要：在国民经济发展过程中,中小企业所占比重非常大,成为国民经济发展的重要组成部分。但在近些年的发展中,中小企业面临着融资难,融资贵的问题,从根本上制约着中小企业的发展。基于此,本文对中小企业信贷融资约束及策略展开了相关论述,首先从中小企业的特点及融资渠道作为开篇介绍,然后对中小企业信贷融资约束的现状及成因进行了相关探讨,最后提出了解决中小企业信贷融资约束问题的建议对策,旨在为同行业工作者提供理论参考依据。In the process of national economic development,small and medium-sized enterprises account for a very large proportion and become an important part of national economic development.But in recent years,small and mediumsized enterprises are faced the problem of fi nancing diffi culty and expensive fi nancing,which fundamentally restricts the development of small and medium-sized enterprises.Based on this,this paper discusses the credit fi nancing constraints and strategies of small and medium-sized enterprises.Firstly,the paper starts with the characteristics and financing channels of small and medium-sized enterprises,then discusses the current situation and causes of the constraints,and fi nally puts forward some suggestions and countermeasures to solve the problem of credit fi nancing constraints in small and medium-sized enterprises,which aims to provide theoretical reference for the workers in the same industry.

关 键 词：中小企业 信贷融资 信息不对称 现状 对策 

分 类 号：F830.5[经济管理—金融学]