苏州中小企业融资问题探讨

苏州中小企业在发展中普遍存在着融资困难问题 ;造成这一问题的主要原因包括 :国有商业银行经营机制和中小金融机构融资的障碍 ,以及担保公司缺位、中介机构职能错位等 ;解决问题的对策在于 :切实更新观念 ;进一步完善金融机构服务功能 ;创新金融服务方式和金融产品 ;健全担保机制 ;规范中介组织行为等

Financing Problem of Medium-sized and Small Enterprises in Suzhou

There exists a financing problem in the medium-sized and small enterprises in Suzhou. The main causes of the problem are the obstacles constituted by the management system of state commercial banks and financing difficulty of minor financial institutions, the lack of guarantor companies, the malfunction of intermediary agencies and etc. The solution to the problem is to further perfect the service function of financial institutions, make innovations in the ways of financial service and in the making of financial products, improve the guarantor system and normalize the behavior of intermediary agencies.