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当前,融资困难一直制约着中小企业的生存和发展。中小企业融资困难的出现,既有企业自身原因,也有金融体系和金融制度等宏观因素。以金融创新降低中小企业的融资成本,推进其融资渠道多元化,是缓解中小企业融资难题的必由之路,是关系国计民生的战略举措。
At present, the financing difficulties have always restricted the existence and development of SMEs. The emergence of SME financing difficulties, both the company’s own reasons, but also the financial system and the financial system and other macroeconomic factors. Financial innovation to reduce the financing costs of SMEs to promote its diversification of financing channels is to alleviate the financing problems of SMEs the only way is a strategic move related to national economy and the people’s livelihood.