文史博览（理论）
文史博覽（理論）
문사박람（이론）
Culture And History Vision (Theory)
2014年
4期
68-71
,共4页
小微企业%融资困境%小型金融机构
小微企業%融資睏境%小型金融機構
소미기업%융자곤경%소형금융궤구
Small and micro businesses%Financing problem%Small financial institutions
小微企业在创造就业机会、缓解就业压力、活跃市场经济以及促进社会发展等方面都有着巨大的作用，也已经成为推动我国国民经济发展的重要力量。然而，小微企业由于营业收入少、抵御风险能力差、财务信息混乱等原因，很难通过银行等金融机构获得有效贷款。针对小微企业目前存在的融资渠道较少、国家扶持政策不到位以及融资成本较高等问题进行讨论分析，以期从小微企业自身、政府支持、金融支持等方面提出相关的政策建议。
小微企業在創造就業機會、緩解就業壓力、活躍市場經濟以及促進社會髮展等方麵都有著巨大的作用，也已經成為推動我國國民經濟髮展的重要力量。然而，小微企業由于營業收入少、牴禦風險能力差、財務信息混亂等原因，很難通過銀行等金融機構穫得有效貸款。針對小微企業目前存在的融資渠道較少、國傢扶持政策不到位以及融資成本較高等問題進行討論分析，以期從小微企業自身、政府支持、金融支持等方麵提齣相關的政策建議。
소미기업재창조취업궤회、완해취업압력、활약시장경제이급촉진사회발전등방면도유착거대적작용，야이경성위추동아국국민경제발전적중요역량。연이，소미기업유우영업수입소、저어풍험능력차、재무신식혼란등원인，흔난통과은행등금융궤구획득유효대관。침대소미기업목전존재적융자거도교소、국가부지정책불도위이급융자성본교고등문제진행토론분석，이기종소미기업자신、정부지지、금융지지등방면제출상관적정책건의。
Aspects of small and micro enterprises to create jobs, ease the employment pressure, active market economy and promoting social development have a huge role in promoting China's national economy has become an important force in the development. However, small and micro enterprises due to less revenue, poor ability to resist risks, financial information is confusing and other reasons, it is difficult to obtain an effective lending by banks and other financial institutions. In this paper, the existence of small and micro enterprises currently financing channels for a single, national support policies in place as well as higher financing costs and other issues to discuss, and put forward relevant policy recommendations in the small and micro enterprises themselves, government support, financial support and other aspects.
