文档介绍：Abstract
Throughout most of history, economies functioned mainly on the basis of small
businesses. Even when, in the more recent centuries, large corporations emerged, small
firms continued to play an important role, and appeared for most of the time to prosper.
SMEs are a dynamic source of employment, growth petitiveness in China.
Such enterprises, in the Chinese economy, are often unable to exploit their full
potential due to their difficulty in accessing finance that satisfies either their long term
investment or short term working capital requirements. Furthermore, investment in
innovation through research and development funding is minimal and the sources of
finance are limited to a few credit instruments.
This paper briefly analyzes the causes on the financing difficulty of SMEs. Higher
transaction costs per volume of credit and higher risk of lending to new clients which
do not have a track record are the two major structural reasons for the reluctance of
banks to lend to SMEs.
The paper then concludes with a series of suggestion on how to solve the financing
problem of growing SMEs; the improvement of SME law system, the support of
government authorities, the development of innovative financing instruments, the
fosterage of professional SME services and the guidance of reasonable corporate
development.
Keywords: SME,Financing,Difficulty, Countermeasure
Ⅱ
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第1章引言
根据 2004 年经济普查数据1,我国中小企业有 4200 多万户,占全国企业总
数的 %以上。中小企业产品或服务销售额占所有企业产品或服务销售额的
%,最终产品和服务