中小企业融资问题探究.doc

摘要:从现代经济发展的状况看，融资作为企业需要比以往任何时候都更加深刻，因为企业的发展离不开金融的支持，企业必须与之打交道。我国中小企业的素质普遍不高,有相当一部分是城乡企业,企业的技术创新能力较弱,缺乏竞争力,市场风险高,这使得银行等金融机构不敢向其发放贷款。目前主要的对策有政府要加强对中小企业的扶持力度，建立完善融资体系,强化金融支持等。

关键词: 中小企业，融资，资产

Abstract:From modern economy development situation, financing as companies need more than ever more deeply, because enterprise's development is inseparable from the financial support, businesses have to deal with. Our country small and medium-sized enterprise quality is general not tall, have quite one part is urban and rural enterprise, the enterprise technological innovation ability is weak, lack of competitiveness, market risk is high, which makes the financial institutions such as banks not to lend. At present the main countermeasures are the government should strengthen pair of medium and small businesses give aid to strength, build perfect financing system, strengthen the financial support.

Key Words：Small and medium-sized enterprises，Financing ，Assets

政府要加强对中小企业的扶持力度

　　　1.政府要认清向中小企业提供资金的重要性,采取措施来解决中小企业融资问题。政府层面对中小企业的资金提供支持,可以通过出台一系列的税收优惠政策,来降低企业的税收负担;通过向中小企业实行财政补贴,鼓励中小企业出口和技术创新,提高中小企业的竞争能力;对中小企业进行贷款援助,来帮助企业解决中小企业初创、技改和出口资金的需求。

　　　2.需要政府建立和完善中小企业扶持政策体系。规范市场秩序,对各种扰乱市场环境的行为严厉惩治,切实保障中小企业的利益,设立专门机构,为中小企业提供服务。

　　　3.建立健全信用评审和授信制度。中小企业的信用问题一直是制约融资的关键,通过对信用评审和授信制度的建立,可以由政府、中介等机构来出具公正的信用评价,解决中小企业信用难鉴定的问题。