中小企业融资难原因剖析及应对策略

113集美大学学报(哲学社会科学版)Vo.l11,No.32008年7月JournalofJimeiUniversity(PhilosophyandSocialSciences)Ju.l,2008[]2007-11-20[]2008-01-26[](1953-),,,,阴天泉,张茗涓(集美大学财经学院,福建厦门361021)[],,,,,[];;[]F8305[]A[]1008889X(2008)033606,,,99%,60%,50%,75%[1],,,,,(),,;,,,;,,(),1.,,1570,,,200710,184,12%18459407,A(668)[2],,;,,3,:2.,,,,,,200612,1790765,1149%[3](),,,,:1.,,,,,,,,,2.,,:(1),,,;(2),,,,;(3),,,3.,,,,()1.,,,,200612,872%100,[4]2.,:(1):(2):(3):,,(4):37()11,,,,,,,3.,,,,,,4.,,;,,,,()1.,,,,,,,,2.,,,,,,,,[5]3.,,20046,(),,,,,2006,29%,50%[6],,,,,,(),1.,,,,,;,;,,,[7]2.,,,,;,,,;,,,383,:,,3.,,,;,,,,,4.,,,,,,,,,,()1.,,,,,,,,,2.,,,;,,,3.,,,,,:,;,,,(),(IFC),,(),,,,,()1.,39()11(1),,(2),:,,(3):2.,!∀!∀,,,!∀,10!∀!∀200311,,,,,,[8]3.,,:(1),,,,,,(2),,,,(3),,,,,4.,,,,,,,,,,,,,,,,,,,,,,2006,,(1),;(2),;(3)403,:;(4),[9],,,,,,,,,[][1]李建新,胡斌.中小企业融资现状研究[J].金融论坛,2008(3):17-21.[2]林岚.中小企业板发展探析[N].上海证券报,2007-11-30(7).[3]钱爱民.中小企业融资渠道分析[N].中国企业报,2007-10-16(6).[4]赵毅.浅析我国中小企业融资现状及应对[J].商场现代化,2006(12):13-15.[5]张飞.中小企业融资问题探析[EB/OL].(2006-03-05)[2006-05-15].[6]周道炯.创业板市场建设时不我待[J].中国城市经济,2006(12):18-20.[7]朱亚平.中小企业融资难的成因及治理对策[EB/OL].(2007-01-22)[2007-04-10].[8]李知渊.我国中小企业融资困难的成因及对策[J].理财广场,2006(11):18-20.[9]槐淮.建立多层次资本市场[N].上海证券报,2007-10-16(8).OnCausesofandSolutionstoFinancingDifficultiesofSmall-and-medium-sizedEnterprisesYINTian-quan,ZHANGMing-juan(CollegeofFinanceandEconomics,JimeiUniversity,Xiamen361021,China)Abstract:Small-and-medium-sizedenterprisesplayimportantrolesinensuringasustained,healthyandstabledevelopmentofthenationaleconomy,andhavecontributedalottothegrowthofChina#seconomy.Butinrecentyears,thefiercecompetitionhasputmanyofthemintogreatdifficulties.Themajorfactorthatpreventsthemfromfurtherdevelopmentisthefinancingproblem.Thispaperanalyzesthecausesoftheproblemfromtheperspectiveofenterprise,financialsystemandgovernment,puttingforwardsomerelevantsolutions,attemptingtoacceleratethesustainabledevelopmentofsmall-and-medium-sizedenterprisesinChina.Keywords:small-and-medium-sizedenterprises;financing;financialsystem(责任编辑林芗)41