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在中小企业中,普遍出现资金“贫血症”,主要存在这样几个问题:融资困难,筹资渠道不畅;金融体制不适应,政策支持力度不够;没有建立信用担保机构和完善的风险分散与补偿制度缺失;企业自身融资能力不强;融资渠道狭窄等。如何解决中小企业的融资难?采取多种融资方式,拓宽中小企业融资渠道。针对中小企业发展的实际,拓宽中小企业融资渠道采取的措施:一是建立技术创新基金。通过贷款贴息、无偿资助、资本投入等方式,扶持科技型中小企业快速发展;通过税收等政策鼓励各类风险投资机构投资创办中小企业。二是建立产权交易市场。产权交易市场为各类中小企业重组、产权出让等提供了交易平台。三是充分发挥典当、融资租赁等融资工具作用。四是地方政府积极帮助中小企业开通上市的直接融资渠道。为符合条件的中小企业提供主要资金供应来源。
Among SMEs, there is a generalized financial problem of “anemia”, with the following problems: difficulties in financing and poor access to financing; inadequate financial system and inadequate policy support; failure to establish credit guarantee institutions and sound risk diversification and compensation Lack of system; enterprise’s own financing ability is not strong; financing channels such as narrow. How to solve the financing difficulties of SMEs? To take a variety of financing methods to broaden the financing channels for SMEs. For the actual development of SMEs, SMEs to broaden the financing channels to take measures: First, the establishment of technological innovation fund. We will support the rapid development of small and medium-sized technology-based enterprises through such means as discount interest on loans, free subsidies and capital investment. We will encourage various types of venture capital institutions to invest in starting small and medium-sized enterprises through taxation and other policies. The second is to establish property rights trading market. Property rights market for all types of SME restructuring, property rights transfer provides a trading platform. Third, give full play to the pawn, financing leasing and other financing tools. Fourth, local governments actively help SMEs to open the listing of direct financing channels. Provide a source of major funding for eligible SMEs.