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一、原因探析中小企业一直是国民经济的重要力量,但是多年来,融资难作为困扰中小企业发展的一大难题,始终没有得到很好的解决。我们从以下三个方面来分析其原因:(1)从银行的角度看,由于资金总量有限,目前银行信贷资金的80%以上都是投向重点建设项目和国有大型企业,而中小企业贷款面广量大、风险又高,银行要确保信贷资金的安全性和效益性,必然会对中小企业产生慎贷、惜贷甚至恐贷的心理。(2)从企业的角度看,中小企业普遍规模较小,产品技术含量低,抗风险能力相对较弱,加之一些中小企业信用度较差,逃废银行债务现象时有发生,导致银企关系日趋恶化。另外,目前中小企业的信用担保体系也不够健全,普遍存在着担保手续繁杂且费用较高的状况,造成一些中小企业对银
I. Reasons Analysis Small and medium-sized enterprises have always been an important force in the national economy. However, over the years, financing has been a major problem that has plagued the development of small and medium-sized enterprises and has not been resolved very well. We analyze the reasons from the following three aspects: (1) From the bank’s point of view, due to the limited amount of funds, more than 80% of bank’s current credit funds are invested in key construction projects and state-owned large-scale enterprises, while the SME’s loans are With large scale and high risks, banks must ensure the safety and efficiency of credit funds, and they will inevitably produce a psychologically prudent attitude toward the small and medium-sized enterprises. (2) From the perspective of enterprises, SMEs are generally small in scale, low in technological content of products, and relatively weak in anti-risk capability. In addition, the creditworthiness of some SMEs is poor, and the phenomenon of bank debt escaping occurs from time to time, leading to an increasingly bank-enterprise relationship. deterioration. In addition, the current credit guarantee system for SMEs is also not sound enough, and there are widespread guarantee procedures and high costs, resulting in some SMEs against silver.