论我国中小企业筹融资对策

中小企业在我国国民经济中具有十分重要的地位和作用。但中小企业的进一步发展却离不开资金的支持。一方面，中小企业要加强内部管理和积累；另一方面，作为中小企业外部资金主要供给的金融机构，应进一步加大改革力度，转变观念，建立起新型银企关系，并不断地进行金融服务创新。国家也要加大对中小企业的扶持力度，尽快建立健全法律制度建设，为中小企业的担保与抵押提供支持，满足中小企业的资金需求。

On Financial Tactics of Small and Medium-sized Enterprises

The small and medium-sized enterprises play an important role in our national economy.Their further development depends on funds.On the one hand,the small and medium-sized enterprises should tighten up the inner management and accumulation;On the other hand,the financial institution,the main supporter of outer funds,should make further reforms in intensity,change ideas,set up new pattern relationship between bank and enterprise and provide new financial services constantly.The government should help the small and medium-sized enterprises to establish perfect legal system,it also should provide the support for the guarantee and mortagage of the small and medium-sized enterprises to make their funds demands.