中小企业融资状况及认识悖论分析

中小企业由于信用度不高 ,直接融资渠道的缺乏以及间接融资渠道的单一 ,使其面临着融资困难的局面。但是在理论界以及实践中对解决中小企业融资难问题的认识上还存在悖论。实际上 ,国有银行和中小企业存在信息上的不对称 ,以及片面发展中小金融机构 ,解决中小企业融资难的问题是缺乏依据的 ,文章分析了这些悖论并相应的给出了自己的见解。

Financing Status of Medium& Smal l Enterprises andRelative Fallacies Analysis

Medium & small enterprises face the difficulty of financing because of low credit and default of direct and indirect financing methods. There are some recognitive fallacies in the problem's understanding, SME's financing difficulty is not because of disproportionate information acquisition of state owened banks, and the emphasis on development of medium & small financial institutions is not a good way to solve the problem. The paper analyze the fallacies and propose their own opinion.