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一、融资难是当前中小企业发展面临的最突出的问题我国中小企业存在着规模小、实力弱、技术水平低、经营范围窄、抗风险能力弱、信息透明度低以及较高的倒闭或歇业率等问题,对金融机构来讲,向其提供资金缺乏规模效益、融资交易成本大,因此造成了中小企业向金融机构融资的困难。
I. Financing Difficulties The Most Prominent Problems Facing the Development of Small and Medium-sized Enterprises At present, China’s small and medium-sized enterprises have such problems as small scale, weak strength, low technical level, narrow business scope, weak anti-risk ability, low information transparency and high failure or turnover rate For financial institutions, the lack of economies of scale and the high transaction costs of financing provide SMEs with difficulties in financing their financial institutions.