中小企业的融资问题

分析了中小企业的特点及难以获得金融机构贷款的原因，提出解决中小企业资金供需不平衡的主要方法是建立针对中小企业的信用评估体系，使银行能够在充分的信息基础上做出贷款决策；拓展资金来源，让地方商业银行成为对中小企业提供资金支持的主要力量以及引入风险投资机制，这样可以有效缓解中小企业的资金缺乏问题。

Financing Problem of Minor Enterprises

This paper analyses on the features of minor enterprises and the causes why it is difficult for the minor enterprises to get the loans from the banking institutions, puts forward that the main method for solving the unbalance of funds' supply and demand of the minor enterprises is to establish the credit evaluation system for the minor enterprises for the purpose of having the bank be able to make the loan decision based on sufficient information, and we also should broaden the source of the funds, making the local commercial banks become the major forces providing funds support for the minor enterprises and introduce the venture capital mechanism to effectively relieve the funds shortage of the minor enterprises.