创业型企业银行贷款问题探析

• 作 者: 潘天芹
• 机 构: 浙江大学城市学院,
• 出 处: 浙江金融
• 发表日期: 2016年11期
• 关键词: 创业型企业 银行贷款 贷款担保 基层支行 利率上浮 贷款利率 贷款所 银行信贷资金 信用贷款 担保方式

创业型企业在我国乃至世界范围都显示出了强劲的发展势头,市场的竞争优势显现,在国民经济中的作用越来越重要,但是资金问题严重制约着创业型企业的进一步发展。目前,银行贷款是创业型企业重要的外源性资金来源。因此,本文论述了创业型企业银行贷款存在的问题及成因,并从政府和银行两个层面分别提出了切实可行的措施。这些措施将会对政府和银行解决创业型企业银行贷款困难问题有一定的参考价值。

Entrepreneurial enterprises in our country and even the world have shown a strong momentum of development, the market’s competitive advantage appeared in the role of the national economy more and more important, but the funding problem seriously restricts the further development of entrepreneurial enterprises. At present, bank loans are an important source of exogenous funding for start-ups. Therefore, this article discusses the problems and causes of bank loans for start-up enterprises, and puts forward feasible measures respectively from the government and banks. These measures will be of certain reference value for the government and banks to solve the difficult problems of venture-backed corporate loans.