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随着我国市场经济的发展,中小企业在国民经济中的地位越来越重要,发挥的作用也越来越大。然而,经济欠发达地区融资困难在很大程度上仍严重制约着中小企业的稳定发展。本文以兴安盟为例,调查中小企业信贷服务状况,分析影响中小企业贷款业务开展的各种原因,探索解决中小企业融资难的有效途径,为制定政策措施提供依据。
With the development of the market economy in our country, the status of SMEs in the national economy has become more and more important and has played an increasingly important role. However, the financing difficulties in the economically underdeveloped regions still seriously restrict the stable development of SMEs to a large extent. Taking Xing’an League as an example, this paper investigates the status of SMEs ’credit service, analyzes various reasons that affect SMEs’ loan business, explores effective ways to solve the financing difficulties of SMEs, and provides the basis for formulating policies and measures.