关于广西中小企业融资困难解决途径的研究

1、一、广西中小企业融资困难的原因分析（一）广西中小企业自身方面的缺陷企业管理水平低。随着广西中小企业的逐渐发展壮大，创业初期的传统经营管理模式已经跟不上发展的步伐。首先，管理者的素质偏低，很多中小企业的管理者学历不高，管理经验只是依靠日常的积累，没有系统的学习过管理方面的知识，在管理的复杂层面具有一定的局限性。其次，没有适合的管理团队，中小企业的管理层人数少，有些企业管理层甚至只有一人，这样企业的很多方面有时会管理不到位。再次，广西中小企业财务制度不健全。没有健全的财务制度，财务账目比较混乱，财务信息不透明，银行无法正确把握企业的财务情况，以至于银行不敢贷款给中小企业。银行常常因为中小企业信息不

2、对称、贷款的交易和监控成本高、获取信贷信息交易费用且风险大而“惜贷”。（二）广西中小企业融资渠道不畅广西资本市场还是比较落后，中小企业大多处于起步阶段，先天条件比较差。资产状况不够健康，股本少等现实条件，使中小企业远远达不到中小板上市的标准，失去了直接上市融资的能力。担保公司虽然对中小企业的要求没有那么高，但是也要考虑中小企业目前的经济情况及发展前景。只有拥有持续发展能力的中小企业，才比较容易获得担保公司的支持。大多广西中小企业产品无创新，产品市场竞争能力不强，调整产品结构和发展规划，获取担保公司的青睐也成了他们需要考虑的问题。通过上市直接融资希望渺茫，部分中小企业只有向银行寻求帮助。但是从银

3、行的角度看，银行限于考虑自身发展。贷款给中小企业能不能获得比较多的利息、贷款给中小企业有没有借出去收不回来的风险、贷款给中小企业后剩余资金还能不能满足自身的日常需求等都是银行需要考虑的问题。所以，银行在资金投放方面比较倾向于国有大型企业，而不愿意将资金投放于中小企业。（三）广西政府对中小企业融资的支持力度不足政府政策制度都是针对大型企业和国有企业的，没有对中小企业进行根本性的针对性扶持，目前市场经济环境中存在的一些政策、制度对中小企业的发展在一定程度上严重的阻碍了广西中小企业的发展壮大。广西政府对民间借贷的管理不力，对民间借贷组织没有进行有效引导，缺乏统一的调整和规划，从而导致民间借贷组织秩序

4、混乱，严重影响了广西的金融秩序。同时设立的专门为广西中小企业提供融资咨询、服务的服务机构数量少，缺乏统一、规范的管理，为广西中小企业融资提供的服务效率低。广西中小企业对资本市场的了解能力有限。由于中小企业获取信息的局限性，想要了解资本市场，必须依赖政府的帮助，政府对中小企业的关注力度不够，也间接导致中小企业融资困难。二、广西中小企业融资困难的解决途径（一）加强广西中小企业自身的发展广西中小企业想要提高自身的融资能力，必须改善管理模式，建立一套适合自己的管理制度，提高企业自身管理水平。首先，企业管理者应该向管理经验丰富的专家学习，或者参加专门的培训机构，积极接受再教育，系统全面的补充管理知识，增

5、强管理企业的能力。其次，组建企业管理团队，一个企业要做到有效管理，就必须做到全面管理，一个人全面管理的难度较大，所以组建一个专业的管理团队就很有必要。再次，加强对财务账目的管理，建立健全企业财务管理制度，企业账目清晰，财务信息公开，有利于减少银行对企业财务方面的顾虑，给企业融资带来积极影响。（二）完善广西中小企业的融资渠道广西中小企业要破解融资困难的困境，必须要完善中小企业的融资渠道。广西中小企业目前切实可行的融资渠道只有少数几种，还有许多的融资渠道受阻比较严重，想要更好的融资，多方面的采取措施来扩大融资渠道非常关键。企业自身要充分利用周边关系。中小企业应该加强与大企业联系，为他们提供高质量的

6、产品及高品质的服务，争取从他们手中获取财政资助或者信用担保。广西是与东盟相连接的桥头堡，应该充分利用这一优势进行国际筹资。虽然可能面临国内大企业的竞争，但国际筹资的途径比国内筹资途径更多，机会也更大，所以应该牢牢抓紧国际筹资的机遇。银行要加强对中小企业融资的支持，设立专门为中小企业服务的金融机构。广西属于西部地区，经济状况较差，同时也缺乏专门的中小企业银行。银行应针对广西中小企业融资困难这一问题，为广西中小企业设立专门的政策性和商业性银行。加强与中小企业联系，设专门的机构了解中小企业，对中小企业反映的财务问题进行统一管理等。建立良好的银企关系，及时了解中小企业的经营及经济状况，及时给中小企业提

7、供资金帮助。同时也需要加强银行之间的合作，为中小企业贷款提供更多的贷款，减轻中小企业融资负担。（三）政府加大对广西中小企业融资的支持力度政府对国有企业和大型企业的偏爱，支持中小企业融资的相关政策太少，对中小企业融资支持力度不足，导致广西中小企业融资的环境比较差。要破解广西中小企业融资困难的困境，政府必须加大对广西中小企业融资的支持力度。从改善广西中小企业融资的环境入手。政府应规范中小企业银行等机构的立法，让其职责和资金的来源以及运作的方式等规范化。并允许中小企业之间建立互相合作的金融机构。经过优化中小企业融资的法律环境，能为中小企业融资提供很大的帮助。广西中小企业对资本市场了解能力不足，支持中

8、小企业发展的各项资金不足。政府依然可以通过一系列促进措施和手段来解决。加大对广西中小企业融资的支持力度，完善扶持广西中小企业融资的政策和法律法规，改善广西中小企业的融资环境，才能促进中小企业融资规范顺利的进行。An analysis of the reasons for the financing difficulties of small and medium enterprises in Guangxi(a) the defects of Guangxi small and medium sized enterprisesEnterprise management level is low

9、. With the gradual development of small and medium enterprises in Guangxi, the traditional business management model has not been on the pace of First, management quality is low, many small and medium-sized enterprise management degree is not high, management experience is to rely on the accumulatio

10、n of daily, there is no system of learning management knowledge, in the management level of sophistication has certain limitations. Second, there is no suitable management team, the number of small and medium enterprises, the number of small and medium enterprises, some enterprise management and eve

11、n only one person, so many aspects of the enterprise management is not in place. Once again, the financial system of small and medium enterprises in Guangxi is not perfect. There is no sound financial system, financial accounts, financial information is not transparent, the bank can not correctly gr

12、asp the financial situation of the enterprise, so that banks can not lend to small and medium enterprises. Banks often because of high transaction costs and monitoring of small and medium-sized enterprise information asymmetry, loans, access to credit information transaction cost and risk and the cr

13、edit crunch.(two) the financing channels for SMEs in Guangxi are poorGuangxi capital market is still relatively backward, mostly small and medium enterprises in the initial stage, the congenital condition is relatively poor. Assets are not healthy enough, less capital and other real conditions, so t

14、hat small and medium-sized enterprises far less than the SME board listed on the standard, lost the ability to direct financing. Guarantee Corporation, although the requirements of small and medium enterprises is not so high, but also to consider the current economic situation and development prospe

15、cts of small and medium enterprises. Only small and medium enterprises with sustainable development ability, it is easier to obtain the support of Guarantee corporation. Most of Guangxi small and medium-sized enterprise product innovation, product market competition ability is not strong, adjust pro

16、duct structure and development planning, to obtain the favor of the Guarantee Corporation has become a problem that they need to consider. Through direct financing of listed companies hope, some small and medium enterprises only to the banks to seek help. But from the bank's point of view, the b

17、ank is limited to consider its own development. Loans to small and medium-sized enterprises to can not get more interest, loans to SMEs have not lent out close not to come back the risk, loans to small and medium-sized enterprises after the surplus funds can not meet their daily needs are banks need

18、 to consider the problem. Therefore, the banks in terms of funds are more inclined to state-owned large enterprises, rather than the funds invested in small and medium enterprises.(three) the government of Guangxi to support the financing of small and medium enterprises is insufficientGovernment pol

19、icy is aimed at large enterprises and state-owned enterprises, no to the small and medium-sized enterprise is fundamental for support, development of small and medium-sized enterprises existing in the present market economy environment of policies and regulations in a certain extent serious hindered

20、 the development of small and medium-sized enterprises in Guangxi grow.Guangxi government borrowing management ineffective, of folk lending organizations no effective guidance, lack of unified adjustment and planning, resulting in private lending organization disorder, serious impact on Guangxi'

21、s financial order. At the same time, the establishment of the Guangxi SME financing advisory services, the number of services, the lack of a unified, standardized management, for the small and medium enterprises in Guangxi financing services to provide low efficiency.Guangxi small and medium enterpr

22、ises to understand the capital market is limited. Because of the limitation of the information, it is necessary to rely on the government's help to understand the capital market, and the government's attention to the small and medium-sized enterprises is not enough.Two, Guangxi small and med

23、ium enterprises financing difficulties of the solution(1) to strengthen the development of SMEs in GuangxiGuangxi small and medium enterprises want to improve their financing capacity, must improve the management model, establish a set of suitable management system, improve the level of enterprise m

24、anagement. First of all, business managers should learn from the management experience of experts, or to participate in specialized training institutions, and actively accept re education, the system fully complement management knowledge, enhance the ability to manage the enterprise. Secondly, the f

25、ormation of enterprise management team, an enterprise to achieve effective management, it is necessary to achieve a comprehensive management, a comprehensive management of the difficulty of a large, so the formation of a professional management team is necessary. Again, strengthen the financial acco

26、unts management, establish and perfect the enterprise financial management system, clear corporate accounts, financial information disclosure, helps to reduce the concerns of the bank on the financial aspects of business, to the enterprise financing bring positive impact.(two) improve the financing channels for small and medium enterprises in GuangxiSmall and medium enterprises in Guangxi to crack the plight of financing difficulties, we must improve the financing chann