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融资难是阻碍中小企业发展的主要因素,中小企业融资一直是理论界和实务界研究的热点,许多学者从银行结构进行了分析。江苏省中小企业融资难问题更具有典型性。本文收集了2009-2011年江苏省不同规模的银行中中小企业融资的数据,着重比较大银行与中小银行中小企业贷款业务的区别所在。最后发现:大型银行在中小企业融资业务方面起着主导作用,中小银行在中小企业信贷业务方面发展迅速,在未来一段时期内,中小企业走出融资困境仍然不容乐观。
Financing difficulties are the main factors hindering the development of SMEs. Financing of SMEs has been a hot spot in both theoretical and practical circles. Many scholars have analyzed the structure of banks. SMEs in Jiangsu Province is more typical of the problem of financing difficulties. This article collected data on the financing of SMEs in different sized banks in Jiangsu Province from 2009 to 2011, focusing on the differences between SMEs and small and medium-sized banks in their loan business. Finally, we find that large banks play a leading role in SME financing business. Small and medium-sized banks (SMEs) have enjoyed rapid growth in SME credit business. In the next period of time, SMEs will not be optimistic about their financial difficulties.