摘要
中小企业融资难是我国乃至世界范围内的问题,也是市场自身调控、金融机构防范风险的一种必然表现。然而,由于中小企业存在着融资渠道单一、融资成本高昂、资本供给结构不均衡及私募股权资本的集体错位等现象,使融资难问题始终困扰着中小企业。文章认为应从和谐发展角度来考虑缓解中小企业融资难的出路,进一步加快现代规范的企业制度建设,还公司制中小企业符合市场经济运行机制要求的自然的直接融资权;建立专门的中小企业金融机构,鼓励中小企业间建立互助金融组织资金扶持政策体系;建立符合我国国情的"第二板块市场";鼓励中小企业的创业者向亲朋好友借资。同时,中小企业亦应更新理念,重塑形象。
The financing problem of small and midium-sized enterprises is a big deal in China,even in the world,which is also the reflection of market＇s regulation,the risk prevention of financial institutions.However,it is difficult for them to get rid of the dilemma because that the financing channel is onefold,the cost of financing is high,the capital supply structure is unbalanced and the private equity capital collective is dislocated.We should deal with such a problem from the angle of harmony.The enterprises should accelerate the norms of modern enterprise systems,given back the right of direct financing,and the government should set up specialized financial institutions to encourage the SME to help each other,so as to establish a ＂second plate marker＂ which is suitable to the our country＇s condition,and encourage the entrepreneurs to the relatives and friends.At the same time,small and medium-sized enterprises should renew the idea,reshaping the image.
出处
《湖北文理学院学报》
2012年第10期37-41,共5页
Journal of Hubei University of Arts and Science
关键词
中小企业
融资
信贷配给
信用体系
Small and medium-sized enterprises（SME）
Financing
Credit rationing
Credit system
