【摘要】 中小企业融资难是个世界性的问题,但我国中小民营企业是有其特殊性的,主要在于现有的金融体系所存在的缺陷阻碍了中小民营企业从正规渠道融得资金,这又主要体现在三个方面,即信贷机构对中小民营企业融资机制存在许多缺陷;中小民营企业信用担保机构的发展出现多样化趋势,但蕴涵较大的金融风险;直接融资渠道缺失与资本市场缺乏层次。更多还原

【Abstract】 Financing is hard for small and medium enterprises, which is a cosmopolitan problem. However, the small and medium enterprises of our country have their particularities, which mainly lie in that the drawbacks in the existing financial system prevent small and medium private enterprises from obtaining capital through normal channels. This is shown in three aspects: there are many drawbacks in the financing mechanism of credit agencies for small and medium private enterprises; the development of credit guarantor agencies for small and medium private enterprises has a tendency of diversification, but has higher financial risks; direct financing channels are short and the capital market is short of administrative levels.更多还原