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我国中小型企业在国民经济中占有至关重要的地位,同时也在经济社会下发挥着吸收就业、承担社会责任、满足社会需求等方面的作用。但现阶段由于我国大部分中小型企业的发展较为滞后,在我国经济市场中的融资情况还处于困境。中小型企业融资难的问题也是六安市中小企业在市场发展中面临的首要问题。企业在融资困难的境况下,对市场发展中出现的机遇也无法把控,在造成企业丧失市场份额的同时,也进一步加大了企业的发展压力。从银行信贷着手,从该角度下对六安市中小型企业在市场经济发展中存在的融资现状进行研究,针对性的分析企业在融资困境中面临的问题,并提出相应的对策。
China’s small and medium-sized enterprises occupy a crucial position in the national economy, and at the same time, they play a role in absorbing employment, assuming social responsibilities and meeting social needs in economic and social fields. However, due to the lagging development of most small and medium-sized enterprises in our country at this stage, the financing situation in China’s economic market is still in a dilemma. The problem of small and medium-sized enterprise financing is also the primary problem that SMEs in Lu’an faces in the market development. Under the circumstance of difficult financing, enterprises can not take control of the opportunities arising in the market development. As a result, enterprises lose market share and at the same time, they also further increase their pressure on development. Starting with bank credit, this paper studies the current financing situation of small and medium-sized enterprises in Lu’an during the development of market economy, analyzes the problems faced by enterprises in financing difficulties and puts forward corresponding countermeasures.