我国中小企业发展过程中的融资壁垒及其治理

金融制度本身对中小企业融资是否存在融资壁垒呢?结合我国中小企业"强位弱势"的发展现状而言,我们认为我国金融制度对中小企业的融资壁垒主要表现为制度安排上的不对称和金融体制改革中的融资政策歧视。但就其实质而言,中小企业融资难问题应该是一种市场失灵现象,对其治理也只能依靠政府看得见的手的理性调节,即建立中小企业政策性金融机构。

The Financing Barrier and Its Solution in the Development of Non-large Enterprises in China

Setting out from the status quo of non - large enterprises in China, it is believed that China's financial system itself imposes financing barriers on non - large enterprises, which is mainly reflected from asymmetric system arrangement and financing policy discrimination in the financial system reform. But substantially, financing problem facing non - large enterprises must be an atmosphere of market ineffectiveness, and the solution to this simply depends on government's visible and rational adjustment -establishing policy financial institution for nonlarge enterprises.