政府在中小企业融资中的作用分析研究 金融学专业VIP专享VIP免费

摘要在经历了金融危机的冲击后，我国中小企业发展迅速，在繁荣经济、增加就业、推动创新、改善民生方面做出了巨大贡献。据调查报告显示，截至2016年底,我国拥有7000万的中小企业，占我国全部企业数量的90%以上，缴纳的税款占我国税收总额的50%以上，中小企业为社会提供了约80%左右的城镇就业机会，为农民脱贫致富提供了大量的渠道，进出口贸易额占我国贸易总额的70%。中小企业显然成为了社会经济发展的主力军，其对经济、社会产生的影响越来越明显。但是中小企业发展并非一片坦途，作为中小企业，企业制度不完善、自身信用差导致中小企业融资难、融资贵。中小企业整体素质有待提高，急需政府在经济、法律、技术创新、人才培养等方面进行扶持。本文旨在通过分析政府在中小企业融资中的作用、现状，分析得出政府在中小企业融资过程中的问题及原因，从而根据发达国家（地区）政府在中小企业融资作用、措施分析得出我国政府应该如何支持中小企业发展，如何解决中小企业融资难、融资贵的问题，从而促进中小企业在我国的发展关键词：中小企业，融资难，融资贵，信用担保，法律体系TheroleofgovernmentinSMEfinancingAbstract：Aftertheimpactofthefinancialcrisis,China'ssmallandmedium-sizedenterprisesdevelopedrapidly,makinggreatcontributionstodevelopingeconomyincreasingemployment,promotinginnovation,andimprovingpeople'slivelihood.Accordingtothesurveyreport,untiltheendof2016,Chinahas70millionSMEs,accountingformorethan90%ofthetotalnumberofenterprisesinChina.Thetaxespaidaccountformorethan50%ofChina'stotaltaxrevenue.SMEsprovideabout80%ofurbanemploymentopportunitiesforthesociety.Theemploymentopportunitiesinurbanareasprovidealargenumberofchannelsforfarmerstogetridofpoverty,andthevolumeofimportandexporttradeaccountsfor70%ofChina'stotaltrade.SMEshaveobviouslybecomethemainforceinsocialandeconomicdevelopment,andthoseimpactontheeconomyandsocietyisbecomingmoreandmoreobvious.However,thedevelopmentofsmallandmedium-sizedenterprisesisnotsuchaneasyway.Asasmallandmedium-sizedenterprise,theenterprisesystemisnotperfect,anditsowncreditgapleadstodifficultiesinfinancingforsmallandmedium-sizedenterprises.TheoverallqualityofSMEsneedstobeimproved,andthegovernmentneedsupportineconomic,legal,technologicalinnovation,andpersonneltrainingasquicklyaspossible.Thispaperaimstoanalyzetheroleandthecurrentsituationofthegovernmentinthefinancingofsmallandmedium-sizedenterprises,andanalyzetheproblemsandcausesofthegovernmentinthefinancingprocessofsmallandmedium-sizedenterprises,sothatanalyzethefinancingroleandmeasuresofthedevelopedcountriesandregions,Howshouldthegovernmentsupportthedevelopmentofsmallandmedium-sizedenterprises,howtosolvetheproblemsoffinancingdifficultiesandfinancingforsmallandmedium-sizedenterprises,andthuspromotethedevelopmentofsmallandmedium-sizedenterprisesinChina.Keywords:SME,Financingdifficulties,Financingexpensive,Creditguarantee,legalsystem目录一、引言.......................................................................................................................1二、政府在中小企业融资中的作用...........................................................................2（一）法律支撑...................................................................................................2（二）信用担保...................................................................................................2（三）财政支持...................................................................................................3三、政府在中小企业融资过程中的现状.............................................