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中小企业融资难已成为制约我国中小企业发展的“瓶颈”。建立和完善中小企业融资体系,为中小企业的发展创造更加宽松的环境,是中小企业持续健康发展的前提。根据国际经验和我国的实际情况,完整的中小企业融资服务体系应包括金融组织体系、金融辅助体系、配套服务体系和多方位的融资体系及金融法规体系等。这一体系的构建,需要依靠政府、金融机构和企业三方面的共同努力。
Financing of SMEs has become a “bottleneck” restricting the development of SMEs in our country. Establishing and perfecting the financing system for SMEs and creating a more relaxed environment for the development of SMEs are the preconditions for the sustained and healthy development of SMEs. According to international experience and the actual situation in our country, a complete SME financing service system should include the financial organization system, the financial assistance system, the supporting service system and the multi-faceted financing system and the financial regulatory system. The construction of this system needs to rely on the joint efforts of the government, financial institutions and enterprises.