刍议中小企业融资难的原因及法律对策

中小企业的融资本质上就是通过社会的资金分配制度对其进行社会资金的配给。中小企业融资难问题的解决途径在于从制度的角度型构一种新的社会资金分配制度。我国中小企业融资难既有政府经济职能的因素，又有银行的因素、资本市场的因素及中小企业自身的因素。要建构一个克服中小企业融资难的制度体系，应解决以下四个核心的问题：一是要规范政府在中小企业融资中的功能；二是要构建中小企业的间接融资渠道；三是依法规范资本市场以保障中小企业融资；四是要构建克服中小企业自身局限性的制度体系。

On the Cause and Measure of SME' s Finance

prises is difficult, which needs a kind of new institution of distribution of social capital. In China, the difficulty that finance of small and medium-sized enterprises has several reasons, such as the government＇ s economic function, the function of bank and the capital market, and the reason of small and medium-sized enterprises themselves. In order to set up a rule system which can conquer the difficulty of finance of small and medium-sized enterprises, we should solve the following four problems： firstly, standardize the government＇ s function in small and medium-sized enterprises; secondly, establish an indirect finance channel among small and medium-sized enterprises ; thirdly, standardize the capital market initially, so that finance of small and medium-sized enterprises can be protect; fourthly, set up a institutional system that conquers the liraitation of small and medium-sized enterprises.