【摘要】 目前,在我国占企业总数99%的中小企业已经成为整个国民经济体系中不可替代的组成部分,在维持社会稳定、促进经济发展、增加就业机会和推动科技创新等方面做出巨大贡献。但中小企业的快速发展也使其融资难的问题进一步凸显。虽然理论上说有很多融资的渠道,但无论是直接融资还是间接融资,都受到外部或内部各种因素的制约,大部分中小企业仍然存在严重的资金短缺问题。中小企业的发展,不仅关系到国家产业政策的实现,也关系到就业、税收和经济增长。解决中小企业融资难的问题是一个系统工程,需要企业、银行、政府等各方面的共同努力,才能实现中小企业又快又好发展。更多还原

【Abstract】 SMEs, which accounts for 99% of Chinese enterprises, now have become an irreplaceable component of the overall national economic system. They have contributed greatly in maintaining social stability, promoting economic growth, increasing jobs and driving technological innovation. However, difficulty of financing also multiplies with the rapid growth of SMEs. Theoretically speaking, there are many financing channels, but all of them, either direct or indirect financing, are constrained by both internal and external factors. In this connection, capital shortage is still serious for most SMEs. The development of SMEs correlates closely not only with the realization of national industrial policy, but also job increase, revenue and economic growth. To overcome the financing difficulty of SMEs is a systematic engineering as it requires to synergize efforts of enterprises, banks and the government.更多还原