我国中小企业融资难的原因与对策

与国有大型企业相比,我国中小企业更符合要素禀赋论的比较优势特征,在我国转型经济中也最具竞争力,已经成为我国GDP增长的主要动力和增加就业机会的主力军,但近年来中小企业融资难的问题已经成为其发展壮大的主要制约因素之一.由银行业的高度垄断而造成的与中小企业业务相适应的区域性、地方性中小金融机构的缺位,是造成我国中小企业融资困难的主要原因.构建多元化的中小企业融资体系是我们从根源上解决中小企业融资问题的战略选择.

Causes and Countermeasures:A Research of the Financing Difficulties of the Small and Medium Sized Firms

Compared with the big state-owned company, the small and medium sized firm conforms more to the H-O Factor Endowment Theory. It has become the most competitive part in our transition economy. Despite of the fact that it has played the key role in the increasing of China's GDP and has provided many employment opportunities, the development of the small and medium sized firm has confronted the difficulties of financing, which has become one of the main restrictions on its growth in recent years. The main cause of financing difficulties in small firms is the highly monopolized financial system and lack of the financial services from the small banks at current. It's our strategic choice to develop competitive small business financial system for the long term in order to solve its financing problem.