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目前我国占企业总量0.5%的大型企业拥有50%以上的银行贷款份额,但是总数占88.1%的中小型企业贷款份额不到20%。中小企业一直存在融资难的问题。文章以介绍中小企业融资现状为出发点,从中小企业自身、商业银行以及政府三个方面对中小企业融资难的问题进行分析,并从各个角度提出建设性的解决方案,为中小企业的融资问题探索新出路。
At present, China accounts for more than 50% of the total bank loans for large-sized enterprises that account for 0.5% of total enterprises, but less than 20% of SME loans account for 88.1% of the total. Small and medium-sized enterprises have always had the problem of financing difficulties. Based on the introduction of the current financing situation of SMEs, the article analyzes the financing difficulties of SMEs from three aspects: the SMEs themselves, commercial banks and the government, and puts forward constructive solutions from all angles to explore the financing for SMEs New way