中小企业融资相关问题研究综述

系统整理了近年国内外关于中小企业融资难问题的文献，将融资难的原因和解决办法分类阐述。造成融责难的原因主要有信息不对称、中小企业可抵押资产少以度银行风险收益不对称。解决方法包括发展中小金融机构开展关系型贷款、成立担保机构提供担保与再担保、科学评估中小企业信贷风险、开展风险投资等。结合国外经验。笔者认为要做好相关研宛。还需要开展范围较大、由政府牵头的中小企业金融调查，并帮助金融机构开发科学评估中小企业贷款风险的工具，高效、低成本的评估其风险。

Review on SMEs Financing Studies

This paper clears up domestic and foreign studies about SMEs financing in recent years.The causes to financing difficulties includes: asymmetric information,lacking collateral and limited earnings to banks.The solutions could be classified into three categories: developing small-and-middlesized financial intermediation to provide relationship lending,establishing guaranty organizations to provide guarantee services,objectively evaluating SMES lending risk and venture capital investment.The author thinks further studies should focus on two fields: 1.To implement large-scale government-led SMEs finance survey;2.To help financial intermediation to develop tools to efficiently,objectively evaluate the risk of SMEs lending.