帮忙翻译论文摘要“我国中小企业融资难问题研究”

来源：百度知道 编辑：UC知道 时间：2024/05/16 19:57:19
本文首先分别从内源融资和外源融资的现状对中小企业融资困难的现状进行了阐述，其中外源融资主要从直接融资和间接融资两方面来说；然后又分别从内在原因和外在原因对我国中小企业融资困难的原因进行综述，外在原因主要从政府、银行、金融体系、资本市场体系、我国中小企业信用担保机构、风险投资机制以及民间资本等方面存在的问题来阐述；内在原因主要介绍了中小企业生存率低、产权归属不明确、信用缺失、信息不对称导致逆向选择和道德风险所以才使投资者望而却步；最后针对上述原因提出解决中小企业融资困难的政策和条件，其中外部政策包括政府要提供法律支持、健全资本市场，拓宽融资渠道、健全金融体系、不断完善我国的信用担保机构，改善其存在的诸多缺陷、建立完备的风险投资机制、解决商业银行存在的诸多问题和规范民间资本，向民间资本开放市场，使民间金融逐步走向合法化；内在条件包括培育企业的核心竞争力，增强其生存能力、推动产权改革，明晰产权关系、强化信用意识和通过多方合作，降低信息不对称的程度。

关键词：中小企业 中小企业融资 融资 对策

This paper from sources within and outside financing source of financing for SMEs, the status of the financing difficulties of the current situation described, which foreign financing mainly from the direct financing and indirect financing in two parts; Then from internal and external reasons why our SMEs to financing difficulties on the causes, external reasons mainly from the government, banks and the financial system, capital market system, China's SME credit guarantee institutions, risk investment mechanism and private capital and other aspects of the problem to elaborate; the main underlying causes of the low survival rate of SMEs, property ownership is not clear, Credit Loss, Asymmetric information leads to adverse selection and moral hazard is why investors discouraged; Finally, we propose to resolve the above difficulties in financing the SME policy and conditions which external policy, including the government should provide legal support, a sound capital market and bro