【作者】 李挺；

【导师】 魏淑萍；

【作者基本信息】 山西大学 ， 科学社会主义与国际共产主义运动， 2004， 硕士

【摘要】 中小企业在就业、技术创新、经济增长等方面具有重要作用。在我国大力发展中小企业意义重大。中小企业融资难是世界各国的普遍现象。在我国中小企业融资缺欠已成为中小企业进一步发展的瓶颈。文章列举了中小企业融资缺欠的表现，从产权、信用、风险三方面分析了中小企业融资缺欠的原因，指出中小企业融资缺欠的实质是市场失灵，同时由于中小企业具有公共产品的“收益外在性”特点，故政府对其融资的干预和支持是必然的选择，政府需运用各种导向和政策充分支持中小企业融资。文章最后提出，当前应借鉴发达国家政府支持中小企业融资的经验，针对我国中小企业融资市场失灵问题要充分发挥政府的重要作用，采取提供法律政策保障制度、推动产权改造、建造政策性融资体系、提供信用担保、放松利率管制、发展社会服务体系等政府支持措施，来解决其融资缺欠问题，以大力促进我国中小企业的发展。更多还原

【Abstract】 Owing to the importance of small-and-medium-sized enterprises in employment, technology innovation and growth of economy, to develop the small-and-medium-sized enterprises has the special purpose in China. Lack of finance has been the bottleneck for the development of small-and-medium-sized enterprises, which is common around the world. The present study lists the performances of the lack of finance, and analyses the problem in view of property right, credit guarantee and risks. And it also points out that the nature of financial difficulty is the market disorder. At the same time, due to its externalist of revenues, like public service, it is decided for the government to infere and supports the financing of SAME through various official policies. In the end, the writer suggests several measures (e.g, low protection, transformation of property right, finance support, credit guarantee, looseness control on interest rate, public service) should be taken to settle the problem and to promote the development of small-and- medium -sized enterprises.更多还原