从融资角度解析中小民营企业发展困境
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摘要
中小民营企业由于外部支持少、自身能力弱,在经营发展中会遭遇很多问题,其中融资困难问题尤为突出。缺少股东支持、缺乏合格抵押、缺少风险识别。缺乏规范运营,使其很难获得资金青睐。在严监管的背景下,由于股权融资受阻、银行信贷乏力、非银急剧收缩等问题,导致中小民营企业融资困难的问题再次凸显。文章在分析了中小民营企业融资困难的原因后,提出了相应的政策建议。在中小民营企业融资困难的背景下,该研究具有重要的实践意义。
Small and medium-sized private enterprises will encounter many problems in operation and development due to their lack of external support and their weak ability, especially their financing difficulties. Due to the lack of shareholder's support, qualified mortgage, risk identification capacity and standardized operation, it is difficult for them to get funds. Under strict supervision, the financing difficulties of small and medium-sized private enterprises are highlighted again because of the blockage of equity financing, the lack of bank credit and the sharp contraction of non-bank institutions. After analyzing the reasons for the difficulties in financing for small and medium-sized private enterprises, the paper puts forward corresponding policy suggestions. In the context of financing difficulties of small and medium-sized private enterprises, the research of this paper has important practical significance.
Small and medium-sized private enterprises will encounter many problems in operation and development due to their lack of external support and their weak ability, especially their financing difficulties. Due to the lack of shareholder's support, qualified mortgage, risk identification capacity and standardized operation, it is difficult for them to get funds. Under strict supervision, the financing difficulties of small and medium-sized private enterprises are highlighted again because of the blockage of equity financing, the lack of bank credit and the sharp contraction of non-bank institutions. After analyzing the reasons for the difficulties in financing for small and medium-sized private enterprises, the paper puts forward corresponding policy suggestions. In the context of financing difficulties of small and medium-sized private enterprises, the research of this paper has important practical significance.
引文
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[2]吕劲松.关于中小企业融资难、融资贵问题的思考[J].金融研究,2015(11):115-123.
[3]唐松,王俊杰,马杨,孙铮.可抵押资产、社会网络与商业信用[J].南开管理评论,2017,20(3):53-64,89.
[4]林丽鹂. 2017年新设市场主体创新高[N].人民日报,2018-01-19(010).
[5]齐金钊.今年以来350家新三板企业摘牌[N].中国证券报,2018-04-18(A08).
[6]梁帆.融资约束、风险投资与中小企业成长———基于中国A股上市公司的实证[J].河北经贸大学学报,2015,36(2):72-79.
[7]鞠市委.我国金融资源错配及其影响研究[J].技术经济与管理研究,2016(7):80-87.
[8]华红梅.金融去杠杆对中小银行的冲击及其对策[J].新金融,2018(5):36-39.
[9]齐金钊.新三板股票质押融资规模下行[N].中国证券报,2018-06-06(A09).
[10]刘筱攸.银行理财委外投资规模较去年初下降1.8万亿[N].证券时报,2018-07-10(A07).
[11]步艳红,卜振兴.实体经济去杠杆之忧[J].中国金融,2018(13):96-97.
[12]沈建光.解困中小企业切忌“头痛医头”[J].金融发展评论,2011(12):71-74.
[13]何德旭,苗文龙.论金融体制改革与民营企业发展[J].新金融,2015(9):30-34.