I我国中小企业融资难问题研究摘 要我国中小企业的发展快速，但中小企业在融资的过程中却遭遇了信贷成本高、银行放款率低等问题。同时，中小企业缺乏信用意识和不重视内部经营管理的问题也限制着中小企业融资的进程。本文从我国中小企业正在遭遇的融资难现状出发，归纳了限制中小企业融资的根本原因，有中小企业的融资服务萎缩，造成银行存款金额的锐减，互联网金融平台数量的减少；中小企业的融资交易费用高于我国企业平均融资成本，高利息的其它借贷途径；中小企业缺乏有效的抵押担保物，降低获得银行信贷支持的审批率；政策体系的不健全，政策的局部性和不完善让政策无法取得预期效果；难以获得金融机构的信贷支持，在不完善的信用担保体系下，中小企业的不良贷款率高，打击了金融服务机构的放贷意愿等问题。针对现状及原因，提出了扶持金融服务业的发展、拓宽融资渠道降低融资成本、完善金融体系扩大有效担保的范围、提升中小企业自身的综合实力、建立银企合作获得信贷支持等解决我国中小企业融资难问题的对策建议。关键词：中小企业；融资难；金融机构；对策IIStudy on the Financing Difficulties of Small and Medium-sized Investment Company in ChinaAbstractThe evolution of small and medium-sized investment company in China is very rapid, but in the process of small and medium-sized investment company are faced with the problems of high credit cost and low bank lending rate. At the same time, the lack of credit awareness and the lack of attention to internal management of small and medium-sized investment company also limit the process of financing. Based on the financing difficulties that SMEs are experiencing in our country, this paper analyzes the root causes of restricting financing for small and medium-sized investment company, the shrinking of financing services for small and medium-sized investment company, resulting in a sharp decline in the amount of bank deposits and the decrease in the number of Internet financial platforms; The locality and imperfection of the policy make it impossible...
