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在金融危机、欧债危机相继爆发的背景下,整体上看世界经济都处在下滑阶段,我国经济的不确定因素越来越多。在外部压力下,很多中小企业面临资金匮乏及资金链断裂的危险。在这种不利背景下,重新研究中小企业的融资需要以及中小企业信贷融资困难是极其重要的举措,通过对非正规金融以及中小企业融资困难问题的研究,结合我国已经或将要采取的一些措施来改善中小企业融资难问题,探索如何通过多方努力,从根本上缓解困难局面的中小企业融资难问题,中小型企业的发展和经济的快速发展具有重要的现实意义。
Against the backdrop of the financial crisis and the debt crisis in Europe, the world economy as a whole is in a decline stage. There are more and more uncertainties in our economy. Under external pressure, many small and medium-sized enterprises are facing the risk of lack of funds and ruined funding chains. Under this unfavorable background, it is an extremely important measure to re-study the financing needs of small and medium-sized enterprises (SMEs) and the financing difficulties of small and medium-sized enterprises. Through the research on the problems of informal finance and the financing difficulties of small and medium-sized enterprises, combined with some measures our country has or will take It is of great practical significance to improve the problem of financing difficulties for SMEs and to explore ways to alleviate the financing difficulties of SMEs in a difficult situation through various efforts. The development of small and medium-sized enterprises and the rapid economic development are of great practical significance.