金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2008年
10期
36~39
,共null页
中小企业融资 金融缺口 融资对策
中小企業融資 金融缺口 融資對策
중소기업융자 금융결구 융자대책
Financing of Small and Medium-Sized Enterprise; Financial Gap; Financing Strategy
河南省中小企业存在着严重的金融缺口，融资渠道狭隘，主要表现为内源融资比重偏低、直接融资困难、间接融资不足等。原因主要在于中小企业内在缺陷、金融体制不合理、制度供给不足等。因此本文在上述分析中提出加快企业自身调整、完善资本市场体系、建设中小企业担保体系、设立为中小企业服务的政策性银行、加大政府扶持力度等措施，以便建立起企业、银行、政府三者为支撑的融资体系，最终有效解决河南省中小企业融资困难问题。
河南省中小企業存在著嚴重的金融缺口，融資渠道狹隘，主要錶現為內源融資比重偏低、直接融資睏難、間接融資不足等。原因主要在于中小企業內在缺陷、金融體製不閤理、製度供給不足等。因此本文在上述分析中提齣加快企業自身調整、完善資本市場體繫、建設中小企業擔保體繫、設立為中小企業服務的政策性銀行、加大政府扶持力度等措施，以便建立起企業、銀行、政府三者為支撐的融資體繫，最終有效解決河南省中小企業融資睏難問題。
하남성중소기업존재착엄중적금융결구，융자거도협애，주요표현위내원융자비중편저、직접융자곤난、간접융자불족등。원인주요재우중소기업내재결함、금융체제불합리、제도공급불족등。인차본문재상술분석중제출가쾌기업자신조정、완선자본시장체계、건설중소기업담보체계、설립위중소기업복무적정책성은행、가대정부부지력도등조시，이편건립기기업、은행、정부삼자위지탱적융자체계，최종유효해결하남성중소기업융자곤난문제。
Currently, small and medium-sized enterprises in Henan province have great difficulties in financing, the proportion of internal financing is low, direct financing channels are handicapped and indirect financing are limited. The reasons lie in the inherent defects of small and medium-sized enterprises, unreasonable financial system and the inadequate supply of an effective system. So the adjustment of small and medium-sized enterprises have to be accelerated, the capital market system, the policy banks and the guarantee system for small and medium-sized enterprises should be constructed and improved, and the support from government should be enhanced in order to establish the financing system among enterprises, banks and government and to solve the financing problems efficiently.
