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小企业是县域经济的重要细胞和组成部分,也是银行县级支行业务发展的主要载体。近年来,各级政府、各金融机构对小企业发展给予了极大的关注,银行也将其作为重要的客户资源。然而小企业由于受自身存在的缺陷,社会化服务体系不健全、管理不规范、金融生态环境不理想、合理有效足值的担保范实困难、银行信贷政策和制度安排等多方面原因的影响,其资源需求旺盛和信贷资金投入不足的矛盾难的解决。文章针对这一现象进行了深入研究,探讨了信贷如何有效支持小企业发展。
Small businesses are important cells and components of the county economy and are also the main carriers for the development of bank-level county-level branches. In recent years, all levels of government and financial institutions have given great attention to the development of small businesses, and banks have also taken it as an important customer resource. However, due to its own shortcomings, inadequate social service system, irregular management, unfavorable financial ecological environment, difficulties in guaranteeing reasonable and effective sufficient value, the bank credit policy and institutional arrangement, Its resources are in great demand and credit funds are not enough to solve contradictions. This article has carried on the thorough research to this phenomenon, explored how the credit can support the small business development effectively.