SMEs in the country's economic and social development that plays an important role in the economic development and social stability of the important pillars in the actual work of financing constraints SME development has become the main obstacle.
In this paper, the status of financing for SMEs, the SME financing analysis factors. SME credit culture that loss, financial management confusion, poor economic returns, lack of credit guarantees, domestic financial industry and the integration of its own loans in the current austerity is the main obstacle to SME financing. Proposed solutions should focus on the current development of small and medium banks, establishing a sound credit guarantee system problems to a fundamental breakthrough in getting loans for SMEs bottlenecks contradictions. At the same time, from the perspective of building their own enterprises make policy recommendations.
中小企业在我国经济和社会发展中具有举足轻重の作用，是经济发展和社会稳定の重要支柱，而在实际工作中，融资难已成为制约中小企业发展の主要障碍。
本文针对中小企业融资难の现状，系统分析了中小企业融资难の主要原因。指出中小企业信用文化の缺失、财务管理混乱、经济效益差、缺乏信用担保、国内金融业自身の整合与贷款紧缩是我国当前中小企业融资の主要障碍。提出当前应重点解决发展中小银行、建立健全信用担保体系等方面问题，以便从根本突破中小企业贷款难の瓶颈矛盾。同时，从企业自身建设の角度提出政策建议。
In this paper, the status of financing for SMEs, the SME financing analysis factors. SME credit culture that loss, financial management confusion, poor economic returns, lack of credit guarantees, domestic financial industry and the integration of its own loans in the current austerity is the main obstacle to SME financing. Proposed solutions should focus on the current development of small and medium banks, establishing a sound credit guarantee system problems to a fundamental breakthrough in getting loans for SMEs bottlenecks contradictions. At the same time, from the perspective of building their own enterprises make policy recommendations.
中小企业在我国经济和社会发展中具有举足轻重の作用，是经济发展和社会稳定の重要支柱，而在实际工作中，融资难已成为制约中小企业发展の主要障碍。
本文针对中小企业融资难の现状，系统分析了中小企业融资难の主要原因。指出中小企业信用文化の缺失、财务管理混乱、经济效益差、缺乏信用担保、国内金融业自身の整合与贷款紧缩是我国当前中小企业融资の主要障碍。提出当前应重点解决发展中小银行、建立健全信用担保体系等方面问题，以便从根本突破中小企业贷款难の瓶颈矛盾。同时，从企业自身建设の角度提出政策建议。
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第1个回答 2012-05-20
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