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中小企业作为中国经济的生力军,其作用与地位不言而喻。受国内外复杂多变的经济形势的影响,我国中小企业面临了很多困难,诸如技术力量薄弱、成本上升、融资困难等问题,其中融资困难已成为阻碍中小企业发展的瓶颈。本文旨以开放性金融的思想,从政府政策扶持、银行业务创新、金融信贷改革等角度,对缓解中小企业融资困难的瓶颈予以研究与分析,为解决中小企业的发展问题提供借鉴。
The role of SMEs as a force for the Chinese economy is self-evident. Due to the complicated and volatile economic situation at home and abroad, China’s SMEs face many difficulties, such as weak technical forces, rising costs, and difficulties in financing. Among them, financing difficulties have become a bottleneck to the development of SMEs. The purpose of this paper is to study and analyze the bottleneck of alleviating the financing difficulties of SMEs from the perspectives of open government finance, government policy support, bank business innovation, and financial credit reform to provide reference for the solution of SME development issues.