金融海啸下的中小企业

1978-2008年，在这短短的30年间，改革开放政策催生了中国4000多万家的中小企业，为GDP增长做出了重要贡献，为城市建设起了推动作用，为就业提供支持，为解决进城的农民工提供了岗位，因此中小企业在经济发展中起着举足轻重的地位。但是金融海啸的到来，中小企业能否面对挑战呢？相对于大企业，融资难，原材料价格上涨和劳动成本上升，人民币升值，进出口关税高，同行竞争力大，外汇储备减少是中小企业发展的突出难题。相对于大企业，中小企业没有自身的品牌优势，难以形成规模效应，资金链十分薄弱，因此如何在金融海啸的冲击下发展是件艰巨的难题。

融资，担保是国家经济部门对中小企业的扶持计划。根据企业规模和企业发展个性化，国家经济部为中小企业的发展专门成立了中小企业专家门诊部。除了国家政策的指引，中小企业也应当针对自身的不足，树立企业信用，完善客户管理，开发企业未来发展的创新产品。多抬头看道。其实企业在发展过程中更要时刻关注国家的政策，了解哪些是国家经济调整的范围和方向，对企业的发展计划具有重大的影响，重视企业信息化，随着网络的发展，信息的采集和分析也为企业决策发挥重要作用。

此外，企业要有自己的目标，这是企业发展的内在因素，也是企业存在的价值和理由。受工业发展理念的影响，我们常说，企业要做强做大，但是不是每个企业都能以斯密亚当，马歇尔规模效应的经济理念来要求自己呢？中小企业自身的发展特点，英国舒马赫经济学家笔下的《小的是美好的》也许对于中小企业的发展理念却是另一番见解，他所主张的应当超越对“大”的盲目追求。中小企业面临的资金链问题是突出的，毕竟资本投入有约束性，在一定程度上限制了企业的自由伸缩度。因此对于中小企业，技术，市场创新是出路，根据消费者真正追求的是什么来调整企业战略计划，优质的产品品质和服务才是重点。说到技术创新，我们不得不审视东莞部分中小企业的倒闭所引发的思考，劳动密集型的中小企业对于金融危机的侵蚀，防范能力薄弱。但是相对于技术革新型的企业，虽然金融海啸可怕，但是熬过风雨飘摇的日子，也就是阳光绽放的时候了。

In 1978-2008, in such a short span of 30 years, directed by the reform and opening-up policy ,more than 40,000,000 small and medium enterprises have been set up in China.They contribute to the GDP growth, the development of urban construction and play an important role in promoting employment support to address the city's migrant workers, the small and medium enterprises in economic development plays a decisive position. But the arrival of the finance tsunami, small and medium enterprises can face the challenges? Compared to large enterprises, financing, costs, RMB appreciation, rising import and export tariffs, the competitiveness of the peer-large,decrease of foreign exchange reserves are the outstanding problems. Compared to large enterprises ,and small and medium enterprises do not own their brand, there is no scale efficience, the capital chain is weak, therefore how to solve the development impact of the finance tsunami is a difficult problem. Finance, national security sectors of the economy SME support schemes. According to the size of the enterprise and individual enterprise development, the State Ministry of Economic Affairs for the development of small and medium enterprises set up a small out-patient department experts. In addition to the national policy guidelines for small and medium enterprises should also be less than its own, establish business credit, improve customer management, business development for the future development of innovative products. All roads lead to Rome.A clear focus on the State Council and the government,and the SMEs to support, what is the direction of development of the national economy is. Emphasis on enterprise information technology, is a policy paper published on-line,make sure what the main points of the meaning behind the policy is. Enterprises have their own objectives, also the development of internal factors. By the idea of the impact of industrial development, we often say that companies do make a big strong, Adam Smith, the Marshall Plan for the development of economies of scale plays a large impact,but the British economic author of "small is beautiful"keeps another idea of small and medium enterprises.So enterprises should keep a keen eyes on capital restrictive. Technology, market innovations,ect.according to the consumer's pursuit of what is real, high-quality products and quality service is key.