降低中小企业融资成本研究

Abstract:It is a worldwide problem that financing of small and medium-sized enterprises （SMEs） is difficult and expensive.China has introduced several measures to improve financing environment for SMEs，but financing channels are still limited and financing cost is still high.High risk premium，lack of effective collaterals，and big state-owned banks dominated financial system are main causes.To support SMEs financing and reduce their financing cost，we need to enhance the development of small and medium-sized financial institutions，establish sound policy bank system for SMEs，improve the function of bounding companies，introduce investment-and-loan linkage mechanism，establish sound enterprises credit system，and take full advantages of different industry associations in support SMEs financing.

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