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近年来,国务院及中国人民银行为了促进中小企业发展,先后出台了一些指导性意见和措施,积极引导并协调商业银行加大对中小企业的信贷支持。但从实际情况看,多数中小企业资金短缺的问题仍没有从根本上得到解决,贷款难仍然是当前困扰中小企业发展的一个突出问题。而不解决好中小企业融资难的问题,就难以保证地区经济持续、健康发展。一、中小企业贷款难的主要原因造成中小企业贷款难的原因,既有政策体制不配套问题,也有融资市场发育迟缓问题;既有商业银行信贷营销机制僵化问题,也有社会信用环境不佳问题。
In recent years, the State Council and the People’s Bank of China have promulgated some guiding opinions and measures to promote the development of small and medium-sized enterprises. They have been actively guiding and coordinating commercial banks to increase their credit support for SMEs. However, from a practical point of view, the problem of the shortage of capital in most small and medium-sized enterprises is still not fundamentally solved. Loans are still a prominent issue that has plagued the development of small and medium-sized enterprises at present. Without solving the problem of financing difficulties for small and medium-sized enterprises, it will be difficult to ensure a sustained and healthy regional economy. First, the main reason for the difficulty of SME loans SMEs cause loans difficult reasons, both the existing policy system does not support the problem, there are financing market development retardation; both commercial banks credit marketing mechanism of rigid issues, but also the social credit environment is not good.