中小型民营企业融资问题的调查与分析

通过对江苏、山东两省八十家中小型民营企业的调查研究发现 ,他们普遍存在融资困难。造成这种现象的具体原因有 :国有商业银行在机制、成本等方面与中小企业不对称 ,难以提供有力支持 ;金融市场功能不健全 ;风险投资运作有障碍 ;社会信用环境较差 ;企业经营风险较高。针对这些问题 ,本文提出了相应解决方案 :加快发展各类民间金融机构 ;完善货币与资本市场 ,优化资源配置 ;建设全国及地方性信用体系 ;加强对民营企业的支持与保护 ,提高企业素质。

Study on Financing Problems of Small and Medium-sized Private Enterprises(SMPE)

Through investigation into eighty SMPE in Jiangsu and Shandong Provinces, the author has found that financing difficulties are common in this kind of enterprises. The specific reasons are as follows: First, state owned commercial banks would not provide financial support to SMPE due to their own mechanism and cost. Second, the financial market has not well developed. Third, the venture capital cannot function smoothly. Fourth, there lacks good social credit environment. Last, the operational risks of SMPE are rather high. In view of the above issues, this article suggests ways to develop various private financial institutions, to perfect monetary and capital market, to set up national and regional credit systems, to strengthen protection and support to SMPE and improve their qualities.