当前制约中小企业融资的深层次原因及对策

摘要

These years, some state departments issued series of policies and measures to support SMEs, which alleviated SMEs＇ financing difficulties to some extent. But SMEs ＂difficult and expensive financing＂ problem still exists. This paper deeply studies the reasons for SMEs＇ financing problem from enterprises themselves and external environment, and proposes targeted policies and measures to broaden the financing channels, build multi-level SME financing service system.%近年来，国家各部门出台了各种支持中小企业发展的政策，一定程度地缓解了中小企业融资难问题。但“融资难、融资贵”问题依然存在，这其中既有企业自身的问题，也有外部融资环境不完善的原因。本文从企业自身和外部环境两个方面深入分析了制约中小企业融资的深层次原因，并有针对性地提出拓宽融资渠道、构建多层次的中小企业融资服务体系的政策建议。