我国民营中小企业融资问题研究.pdf

摘要
改革开放以来我国的民营中小企业得到了迅猛的发展已经成为我国现阶段
最具竞争力的经济力量之一加快民营中小企业的发展已成为全社会的共识然而
民营中小企业在发展过程中所面临的融资困境已经成为制约其发展的首要问题本
文的研究旨在为解决这一问题提供一些对策建议
文章采用了定性描述与定量分析以及模型相结合的方法建立了一个民营中小
企业融资问题的分析框架对我国民营中小企业的融资困境进行了理论分析并结
合实际情况分析了融资过程中存在的一些问题文章指出在我国银企信息不对
称交易成本过高以及信用担保体系不健全等因素是民营中小企业融资的主要障碍
而这些因素又是来源于民营中小企业金融机构政府以及信用担保等多方面因
此要缓解我国民营中小企业的融资困境就要从这几方面来采取措施特别是要
采取措施减轻银企之间信息不对称的程度文章通过分析指出发展民营中小银行
可以达到这点并且论证了在我国建立和发展民营中小银行的可行性最后本文
得出的结论是在我国通过建立和发展民营中小银行提高民营中小企业自身素质
转变政府职能和加大对民营中小企业的支持力度以及健全信用担保体系是可以解决
民营中小企业融资困境的

关键词民营中小企业融资信息不对称民营银行




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Abstract
Since reform and opening-up, the private medium and small-sized enterprises of our
country have got swift and violent development, and have already e one of the most
competitive economic forces now in our country. Quickening the development of private
medium and small-sized enterprises has already e mon understanding of the
whole society. However, the financial predicament has been the primary problem for the
private medium and small –sized enterprises during the course of their development. This
paper aims at providing some suggestions about this problem.
The article adopts the bined with quantitative analysis, qualitative
description and model, sets up an analysis frame of financing issue of private medium and
small-sized enterprises. Other more, the article carries on the theory to analyze the
financing predicaments of the private medium and small-sized enterprises of our country,
and bined actual conditions to analyze some questions existing in the financing
course. The article points out that in our country, bank and enterprise's information
asymmetry, the high transaction cost and the imperfect credit assurance system are main
obstacles in the financing course of medium and small-sized enterprises. And these factors
arise from private medium and small-enterprises, financial institution, government, credit
assurance system and so on. Thus, the measures mentioned above should be t