中小企业融资难原因与对策分析.docVIP

PAGE \* MERGEFORMAT PAGE \* MERGEFORMAT I 中小企业融资难的原因及对策分析 Analysis on the reasons and Countermeasures of the financing difficulty of small and medium sized enterprises 复旦大学 东方晴天摘 要 摘 要：中小企业是我国经济社会的重要构成要素，在激发市场竞争活力、促进就业、推动产业技术创新等方面有着重要的地位，但是由于种种原因，中小企业在发展中都不同程度的存在融资难、融资贵的问题。为解决这个问题，我国先后出台了一系列法律法规和多项支持中小企业发展的相关融资政策，虽然在很大程度上改善了中小企业融资环境，但要想从根本上解决这个问题仍然任重而道远，解决中小企业融资问题迫在眉睫。 本文在全面分析我国中小企业融资现状的基础上，运用融资的相关理论，对中小企业融资难的原因进行全面研讨，并通过借鉴国外的经验做法，区分政府和市场在资源配置中的作用，对原因的主次进行了分析。笔者认为，由于中小企业本身先天弱质性特征，导致借贷双方出现信息不对称性，致使中小企业融资难，出现市场失灵，解决这一问提依靠中小企业和市场自身难以奏效，首要充分发挥政府在资源配置中的作用，改进中小企业融资和发展环境。基于以上研究，笔者认为应首先改善中小企业外部环境，并提出了具体措施，希望对于解决我国中小企业融资难起到一定的理论指导作用。 关键词：中小企业；融资；信用担保；非正规金融； PAGE \* MERGEFORMAT PAGE \* MERGEFORMAT V ABSTRACT Abstract: Small and medium-sized enterprises （SMEs）are an important constituent elements of our countrys economic society. They play an important role in stimulating market competition, promoting employment and promoting industrial technological innovation. However, due to various reasons, SMEs have different degrees of financing difficulties, financing expensive difficulties. In order to solve this problem, our country has promulgated a series of laws，regulations and policies to support the development of SMEs. It is a large extent to improve the financing environment for SMEs, but fundamentally to solve this problem is still has a long way to go, and to solve this problem is imminent. This paper has comprehensive analysis of the financing situation of SMEs in China, using the related theory of financing, the reasons for the financing of SMEs to conduct a comprehensive study, and by drawing on foreign experience and practice, to distinguish between the government and market in the allocation of resources, the main reasons of time are analyzed. The author believes that due to the SMEs itself inherent inferiority characteristics, lead to both lenders and borrowers information asymmetry, resulting in SME financing, market failure, resolve the question on