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我国农村中小企业面临融资困境。本文对我国农村中小企业的融资需求特点及现状进行分析,研究发现我国农村中小企业融资渠道狭窄,申请金融机构贷款困难,融资风险大,而造成农村中小企业融资难的原因主要是信贷供求的不平衡以及企业文化与授信文化之间的巨大落差。要破解我国农村中小企业融资困境,需从供给制度上进行创新,加快推进金融基础设施建设,鼓励金融机构创新产品和服务方式。
China’s rural small and medium-sized enterprises are facing financing difficulties. This paper analyzes the characteristics and current situation of financing needs of rural SMEs in our country. It is found that the financing channels for SMEs in rural areas in China are narrow. It is difficult to apply for loans from financial institutions and the financing risk is high. The reasons for the difficulty in financing for rural SMEs are mainly that the credit supply and demand Balance and the huge gap between corporate culture and credit culture. To crack down on the financing difficulties of rural SMEs in our country, we must innovate from the supply system, speed up the construction of financial infrastructure and encourage financial institutions to innovate products and service methods.