论文部分内容阅读
根据我国发改委中小企业司的统计,目前我国中小企业数量已经达到4200多万户,占到了全国企业总数的99.8%。中小企业所创造的最终产品和服务的价值占到了我国GDP的60%左右,上交的税收已经超过总额的一半,并提供了全国80%左右的城镇就业岗位。然而在融资方面,微小企业因其贷款风险高、信用程度低、担保抵押难等问题难以从银行借贷部门以及直接融资市场获得资金。最终,微小企业只能被迫转向民间高利贷,这又使得企业的资金紧张的矛盾更加突出。因此,要解决微小业融资难的困境,则需要更多的创新之举。
According to statistics from the SME Division of China’s National Development and Reform Commission, at present, the number of SMEs in China has reached more than 42 million, accounting for 99.8% of the total number of enterprises in the country. The value of the final products and services created by SMEs accounts for about 60% of China’s GDP. Taxes handed over have already exceeded half of the total and provide about 80% of the urban employment in the country. However, in terms of financing, the micro-enterprises are hard-pressed to obtain funds from the bank lending department and the direct financing market due to their high loan risk, low credit level and difficult guarantee of mortgage. In the end, micro-enterprises can only be forced to turn to private usury, which in turn makes the contradiction between the financial constraints of enterprises more prominent. Therefore, to solve the plight of the financing of small businesses, more innovation is needed.