摘　要:在民营中小企业发展过程中，融资问题一直是其面临的主要问题。民营中小企业的融资渠道狭窄，既有金融市场环境、金融制度设计的问题，也有其自身素质问题。拓宽民营中小企业融资渠道的有效途径主要有：改革和完善相关的金融制度，按照单元制银行组织形式积极发展中小型商业银行；建立创业板市场和场外股权交易市场，为风险投资运作创造宽松的金融环境；对非正式金融行为采取较宽容的政策，利用、引导、逐步规范。[著者文摘]

关键词:民营中小企业 融资 金融创新

分类号:　F276.3[免标]文献标识码：A文章编号：1007-7030（2006）04-0082-04相关文献:主题相关

A Study on Broadening the Financing Channel of Medium and Miniature-Sized Private EnterprisesMA Yi-min （School of Economies, Yangzhou University, Yangzhou 225009, Jiangsu, China）Abstract:In the development of medium and miniature-sized private enterprises, financing problem has always been their major problem. The limited financing channel not only results from the financial market environment and the financial system, but also from its own making. The effective approaches to broadening the channels mainly include innovating and perfecting related financial policies, developing medium and miniature-sized commercial banks according to the organizational forms of unit system banking, building alternative investment market and over-the-counter market to create loose financial environment for the operation of venture investment and adopting more tolerant policies towards informal financial behaviors.[著者文摘]

Key words:medium and miniature-sized private enterprises; financing; financial innovation

收稿日期:　2006-02-11修订日期:　基金资助:江苏省重点高校建设项目（04YT0321A）
作者简介:马一民（1961-），男，江苏江都人，扬州大学经济学院教授，主要从事财政金融研究。