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目前,我国在工商注册登记的中小企业已经超过1000万家,占全国工商注册企业总数的99%。中小企业工业总产值、销售收入、实现利税、出口总额分别占全国的60%、57%、40%和60%左右,流通领域中小企业占全国零售网点的90%以上,中小企业还为社会提供了大约75%的城镇就业机会。在健全的市场经济中,市场这一“无形的手”应将资金等资源按中小企业对社会的贡献进行合理分配。但现实并非如此,中小企业一直受融资难问题困扰。笔者结合世行和我国央行上海分行对四川、浙江、福建等地中小企业融资状况的调查,分析中小企业融资困境的形成原因,提出中小企业走出融资困境的策略。
At present, China has registered over 10 million SMEs in business registration, accounting for 99% of the total number of registered business enterprises in the country. SMEs account for 60%, 57%, 40% and 60% of the country’s total industrial output value, sales revenue, profits and taxes, and export respectively, while small and medium-sized enterprises in distribution circles account for over 90% of the national retail outlets, and SMEs also provide social services About 75% of urban employment opportunities. In a sound market economy, the “invisible hand” of the market should rationally allocate such resources as small and medium-sized enterprises’ contribution to society. However, the reality is not so. SMEs have been plagued by financing difficulties. Based on a survey of the financing conditions of SMEs in Sichuan, Zhejiang and Fujian provinces, the author analyzes the reasons for the financing difficulties of SMEs and puts forward the strategy that small and medium-sized enterprises can get out of financing difficulties.