新常态下中小企业融资困境:分析与对策  

An Analysis of Financing Difficulties of Small and Medium-sized Enterprises

作　　者：王阁[1] 张思思[1] WANG Ge;ZHANG Sisi(Planning and Research Department of China Development Bank)

机构地区：[1]国家开发银行规划研究院

出　　处：《金融市场研究》2024年第7期111-118,共8页Financial Market Research

摘　　要：中小企业是扩大就业、改善民生的重要支撑,而我国中小企业在转型升级过程中面临的融资困境凸显,实体经济的振兴须在缓解中小企业融资约束上破题。基于此,本文在对中小企业“融资难、融资贵”现状研判的基础上,从体制、政府、产业、企业、金融五个维度深入分析导致中小企业融资困境的结构性矛盾,并从改善营商环境、推进中小企业政策立法、扩大融资供给、加快信用体系建设、加强政策组合运用五个方面,提出探索创新体制机制,纾困中小企业融资难题的相关建议。Small and medium-sized enterprises(SMEs) are an important support for expanding employment and improving people's livelihood, but they continue to face significant financing difficulties. As China seeks to revitalize the real economy, mitigating these financing constraints is of critical importance. This paper assesses these financing difficulties and the high cost of available financing, examining the structural challenges as well as the obstacles from government, industry, the enterprises themselves, and the financial system. The paper makes recommendations for the improvement of the business environment and the promotion of policies and legislation related to small and mediumsized enterprises. It also offers suggestions on accelerating the construction of the credit system.

关 键 词：中小企业 融资困境 金融创新 

分 类 号：F276.3[经济管理—企业管理] F275[经济管理—国民经济]