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近年来,我省非常重视个体私营经济的发展,省政府及各市县先后出台了一系列鼓励个体私营经济发展的政策和措施,促进了个体私营经济的快速发展。但是,由于某些方面体制不顺、措施不实、落实不够,以及个体私营企业自身存在的问题,制约了个体私营经济的进一步发展,需要加以解决。一、企业贷款问题:个体私营企业反映最强烈的就是贷款难,据最近的一项调查,46.7%的企业缺乏资金,资金已成为制约个体私营经济的瓶颈。支撑个体私营经济发展的资金来源主要是企业的内部积累和银行贷款两部分,前者风险小,但资金规模小、积累速度慢,难以适应企业快速发展的需要。后者风险大,但规模大、速度快。现在绝大多数个体私营企业都缺乏银行的信贷支持。个体私营企业一般规模较小、资产较少、风险较大、资信状况较差,银行一般不愿也不敢提供贷款;提供贷款也只限于短期流动资金贷款,缺少中长期贷款;贷款只有
In recent years, our province has attached great importance to the development of individual and private economy. The provincial government and all cities and counties have successively promulgated a series of policies and measures to encourage the development of individual and private economy and promoted the rapid development of individual and private economy. However, due to some aspects of the system is not smooth, measures are not implemented, implementation is not enough, as well as individual and private enterprises own problems that restrict the further development of individual and private economy, need to be addressed. First, the issue of corporate loans: Individuals reflect the most powerful private sector is difficult to loan, according to a recent survey, 46.7% of the enterprises lack of funds, funds have become the bottleneck restricting the individual and private economy. The sources of funds that support the development of individual and private economy are mainly the internal accumulation of enterprises and the bank loans. The former has small risks, but the small-scale funds and slow accumulation can hardly meet the needs of rapid development of enterprises. The latter is risky, but large in scale and fast in speed. At present, most individual and private enterprises lack credit support from banks. Individuals and private enterprises generally have smaller scale, less assets, higher risks and worse credit status. Banks are generally reluctant and afraid to provide loans. Loans are limited to short-term working capital loans and medium- and long-term loans. Only loans