服务体系建设ServiceSystemConstruction新冠肺炎疫情对我国中小企业的影响及对策建议TheInfluenceoftheCOVID-19onChina'sSmallandMedium-SizedEnterprisesandtheCountermeasuresandSuggestions杜梦春（兰州财经大学，兰州730020）DUMeng-chun(LanzhouUniversityofFinanceandEconomics,Lanzhou730020,China)揖摘要铱改革开放以来，我国中小企业迅猛发展，在社会经济体系中占有举足轻重的地位。近年来，国内外经济下行压力较大，我国中小企业生产经营进入瓶颈期，深陷资金链断裂、融资难、融资贵的困境。2020年初，突如其来的新冠肺炎疫情再次为中小企业发展带来阴霾。论文从疫情期间我国中小企业复工复产困难的实际情况出发，分析我国中小企业融资能力低、融资渠道窄的根源，总结出短期内加速我国中小企业复工复产及解决中小企业长期发展过程中融资困境的应对策略。揖AbstractSince铱thereformandopeningup,China'ssmallandmedium-sizedenterpriseshavedevelopedrapidlyandoccupyapivotalpositioninthesocialeconomicsystem.Inrecentyears,thedomesticandinternationaleconomicdownwardpressureisgreat,theproductionandoperationofChina'ssmallandmedium-sizedenterpriseshasenteredabottleneckperiod,andtheyaredeeplytrappedinthedilemmasofcapitalchainfracture,financingdifficultyandhighfinancingcost.Inearly2020,thesuddenemergenceoftheCOVID-19onceagainbroughtdifficultiestothedevelopmentofsmallandmedium-sizedenterprises.StartingfromtheactualsituationofthedifficultyoftheresumptionofworkandproductionofChina'ssmallandmedium-sizedenterprisesduringtheepidemicperiod,thepaperanalyzestherootcausesofthelowfinancingcapacityandnarrowfinancingchannelsofChina'ssmallandmedium-sizedenterprises.Thepaperconcludesthecopingstrategiesto.com.cn.AllspeedRightsuptheresumptionReserved.ofworkandproductionofChina'ssmallandmedium-sizedenterprisesintheshort-termandtosolvethefinancingdilemmasinthelong-termdevelopmentofsmallandmedium-sizedenterprises.揖关键词铱中小企业；融资困境；复工复产；政策支持；新冠肺炎疫情揖Keywords铱smallandmedium-sizedenterprises;financingdilemmas;resumptionofworkandproduction;policysupport;COVID-19【中图分类号】F276.3【文献标志码】A【文章编号】1673-1069（2020）08-0169-061引言部门应积极应对疫情带来的诸多困难，做好疫情防控工作的同时，还应帮助企业尤其是中小企业恢复生产。众所周知，中我国中小企业数量已超过3000万，占我国企业总数的小企业在这次抗疫过程中，承受风险的能力远不如大型企90豫以上，吸收了80豫以上的劳动力，创造了70豫以上的技业，理应成为国家政策扶持及金融机构帮扶的重点。术创新成果，贡献了全国60豫以上的GDP，税收贡献占全国2疫情背景下我国中小企业经营发展遭受严的50豫以上，在促进国民经济发展中发挥了重要作用，是我重冲击国经济的重要组成部分。突如其来的新冠肺炎疫情对我国经