论文部分内容阅读
实践证明,银行依靠原有单一的贷款模式已经难以应对中小企业对于融资需求的快速发展。回首改革开放以来,中小企业的发展可谓有喜有悲。30年来,中小企业发展势头异常迅猛,成为我国保持经济适度增长、优化产业、经济结构的重要力量。以青岛为例,截止到2009年底,中小企业注册户数已达35.9万户,注册资本2881亿元,从业人员超过155万人,营业收入占全市生产总值的52%。如今的中小企业更是成为青岛城市经济发展中,至关重要的组成部分。
Practice has proved that banks rely on the original single loan model has been difficult to respond to the rapid development of SMEs for financing needs. Looking back on the reform and opening up, the development of small and medium enterprises can be described as happy and sad. Over the past 30 years, the momentum of development of SMEs has been unusually rapid and has become an important force for China to maintain its moderate economic growth and optimize its industrial and economic structure. Take Qingdao as an example. By the end of 2009, the number of registered SMEs has reached 359,000 with a registered capital of 281.8 billion yuan, employing more than 1.55 million people and accounting for 52% of the city’s total output. Today’s small and medium-sized enterprises are even more crucial components of Qingdao’s urban economic development.