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小微企业是中国经济最具有活力的一部分,对中国经济转型与保证就业率起到重要作用。但是小微企业的融资渠道一直不畅通,融资难融资责阻碍着小微企业健康发展。经过分析,文章指出有三大原因造成融资难,首先是企业自身的高风险,其次是信息不对称,还有信息搜集成本。文章分别针对这三个方面提出了对金融机构的改进意见,并且提出政府政策的两个有改进空间的方面。
Small and micro enterprises are one of the most viable parts of China’s economy and play an important role in China’s economic restructuring and employment guarantee. However, the financing channels for small and micro enterprises have not been smooth, and financing for financing difficulties is hindering the healthy development of small and micro enterprises. After analysis, the article points out that there are three major causes of financing difficulties, first of all, the high risk of the enterprise itself, followed by asymmetric information, as well as information collection costs. The article puts forward some suggestions for the improvement of financial institutions against these three aspects respectively, and puts forward two aspects of government policies that have room for improvement.