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小微型企业作为我国国民经济中发展最具活力的组成部分,其发展的好坏对于整个国民经济的发展有重要的影响。但是由于小微型企业主要是一些民营企业,因而贷款难、担保难的问题普遍存在,同时也面临着诸如股权融资狭窄、财政带动机制缺位等问题。本文基于多年的工作经验,分析了当前小微型企业融资困难的原因,并着重提出了改变国有商业银行的运营方法、完善风险投资机制、构建完善的信用担保体系等几点解决小微型企业融资困难的方法,希望相关人员加以借鉴和思考,从而促进我国小微型企业的发展。
As the most dynamic component of the development of our national economy, the development of small and micro-enterprises plays an important role in the development of the entire national economy. However, since small and micro-enterprises are mainly private-owned enterprises, the problems of difficult loans and difficult guarantees are widespread and problems such as narrow equity financing and the absence of fiscal-led mechanism are all faced with. Based on many years of work experience, this article analyzes the reasons for the current financing difficulties of small and micro enterprises, and puts forward some solutions to the financing difficulties of small and micro enterprises by changing the operating methods of state-owned commercial banks, perfecting the risk investment mechanism and constructing a sound credit guarantee system We hope that relevant personnel can learn from and think about it so as to promote the development of small and micro enterprises in our country.