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随着国家稳健货币政策的实施,银行被迫收紧银根后,虽然国家鼓励向中小企业融资倾斜,但“僧多粥少”的局面难已改变。因此只有那些自身素质好、所处行业潜力大、经营规范、信息透明的中小企业才能得到有效的融资。另外中小企业必须灵活地应用多种融资方法,结合自身的特点才能缓解融资难问题,我们将基于中小企业自身角度从奠定融资基础和灵活应用方法两个方面探讨融资的对策。
With the implementation of a prudent monetary policy in the country, banks have been forced to tighten their monetary stance. Although the state encourages the lean of financing for SMEs, it is difficult to change the situation. Therefore, only those small and medium-sized enterprises with good quality, large industry potential, standardized operation and transparent information can be effectively financed. In addition, SMEs must flexibly apply a variety of financing methods and combine their own characteristics to mitigate the financing difficulties. We will explore financing strategies based on the perspective of SMEs themselves, from the perspectives of establishing a financing foundation and flexible application methods.