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目前我国拥有中小微企业约4200万户,中小微企业创造的最终产品和服务价值相当于国内生产总值的60%左右,提供了80%以上的城镇就业岗位,完成了我国80%以上的新产品开发。中小微企业已成为推动国民经济增长的重要力量。然而去年以来,用钱荒、招工难、用电荒等种种不利因素困扰着小微企业,部分地区老板“跑路”、企业倒闭,引起社会恐慌。中小微企业在经营过程中遭遇的问题尤以融资难最为突出,主要表现在以下几个方面。
At present, China has about 42 million small and medium-sized micro-enterprises. The final product and service value created by small and medium-sized micro-enterprises is equivalent to about 60% of the gross domestic product. It provides more than 80% of urban jobs and over 80% of new product development. Small and medium-sized micro-enterprises have become an important force in promoting the growth of the national economy. However, since last year, the shortage of funds, recruitment difficulties, power shortage and other unfavorable factors plagued the small and micro enterprises, in some areas the boss “runway ”, business failures, causing social panic. Small and medium-sized micro-enterprises in the course of business problems encountered especially in financing the most prominent, mainly in the following areas.