中小企业信贷融资模式选择：一个综合性解释框架

摘要

中小企业对经济发展和社会进步有着极其重要的作用，但中小企业融资难阻碍了中小企业的进一步发展。基于中国中小企业的信贷融资实际，从中小企业的资金需求状况、资金供给状况、相关的制度与政策以及第三方服务的角度，分析和解释了中小企业融资模式的选择行为，并且逐一对各融资模式的形成状况及其运行的条件进行了分析和比较。最后在对中小企业融资解释框架下，解释了各地区的融资方式和差异，比较和预测了中小企业融资模式在时间上的演变进展，以此提出了相应的对策建议。%The small and medium-sized enterprise plays an important role in the economic development and social progress,but the small and me-dium-sized enterprises financing difficulties hindering the further development of small and medium sized enterprises.This paper Chinese SMEs credit financing based on actual,from the capital of capital requirement,the small and medium-sized enterprise supply and demand condition,re-lated system and policy and the third party service perspective,analyze and explain the choice behavior of SME financing mode,and one by one on the formation condition and operation condition of the financing mode are analyzed and compared.Finally,in the financing of small and medium en-terprises explanatory framework,explains the area of financing and difference,comparison and forecast the evolution progress of SMEs financing mode in time,in order to put forward corresponding countermeasures and suggestions.