浅析广东省中小企业融资现状与对策.doc

摘要:中小企业是广东省经济发展的重要推动力量，其在建立广东省社会主义市场经济做出很大贡献。但目前由于席卷全球的金融海啸使得广东省中小企业受到了剧烈的冲击，使很多中小企业一直处于融资难的困境之中，制约了广东省中小企业的发展前景，很多中小企业因为资金不足而倒闭。本文从广东省中小企业出发，浅析了广东省中小企业融资现状及融资主要特点。接着分析了造成融资难的几个重要的原因，通过广东省中小企业现在面临的融资难题的原因，从中小企业的角度分析中小企业融资难题，并研究出相应的应对策略。

关键词：广东省中小企业，融资，银行贷款

Abstract:Small and medium-sized enterprises (SEMS) in Guangdong Province economic development is an important driving force， the Guangdong Province in establishing socialist market economic contribution. But at present due to the global financial tsunami that swept by small and medium-sized enterprises of Guangdong Province the severe impact，which many small and medium-sized enterprise has been in trouble in financing rare，restrict the normal development of small and medium-sized enterprises，many small and medium-sized enterprises for lack of funds and failed. This paper，from the small and medium-sized enterprises of Guangdong Province, and discussed on the small and medium-sized enterprise as the leader of the team，but suffered a loan financing difficulties，seriously hampering the development of oneself. Then this article analyzes the causes of the several important reason，Guangdong Province through small and medium-sized enterprises are now facing the cause of the financing problems， from the perspective of the small business enterprise of small and medium-sized enterprises financing problems，and study the relevant strategies.

Key Words: Small and medium-sized enterprise of Guangdong Province, Trust financing, Bank loans

　　　中小企业融资难题已成为我省经济研究重要内容，为解决广东省中小企业融资难这个问题，应着力改善中小企业信用环境，尽快完善中小企业信用档案的管理，成立独立的中小企业信誉评价中心，对那些恪守信用的中小企业提供贷款、税收政策等支持；完善金融体系和信用担保体系，成立专门扶持中小企业发展的、非营利性的、地区性的政策行银行，引入民间资本力量来多方面解决中小企业融资问题，规范担保体系的建设与运行，建立健全风险补偿机制；进一步完善对中小企业融资的立法支持，并加大财政资金的支持力度，建立更多的为中小企业融资服务的专门机构，推动民间融资的发展，同时加强金融监管，这样才能更好地使广东省的中小企业健康、快速成长。