中小企业融资困境之破解对策

由于中小企业在经济中的重要作用，国家应激励金融机构向中小企业贷款，并建立政府担保的中小企业贷款项目，同时创建对中小企业的减免税机制。应构建中小企业融资的社会中介法律制度，如中小企业的征信机构，借贷风险评估机构，参与担保机构，提供借贷双方信息的中介机构，中小企业成长的辅导机构等。在立法上，要修改和落实《中小企业促进法》，并以完善民间借贷为核心，制定《中小金融业法》，允许适当的利率市场化，适度放宽中小企业之间借贷法律效力以促进中小企业融资。要完善中小企业融资的司法保障制度。

Solutions to the Financing Predicament of Small and Medium-sized Enterprises

Duo to the importance of SMEs in national economy, the Government should stimu- late financial institutions to loan to SMEs, and establish the SMEs＇ loan projects guaranteed by the Government, and offer tax relief to SMEs. Financial agencies for SMEs, such as credit rating, loan risks evaluating, guarantee sharing, information, and counseling, should be established. China＇s SME promotion law should be amended and implemented. In order to regulating private lending, small and medium financial industry law should be enacted. Interest rate should be decided by mar- ket to certain level. Loan between enterprises should be valid. Judicial institutions should do their part to resolve SMEs＇ financing predicament.