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根据世界银行的研究,信贷人权利保护的有效性是影响中小企业融资的决定因素。我国由于法律不健全,对信贷人权利保护不足,严重影响到了中小企业融资,而山东省德州市以行政手段加大信贷人权利保护力度,提高了银行放贷的信心和积极性,中小企业贷款增长重新进入快车道。本文结合该案例深入分析行政推动信贷人权利保护对中小企业融资问题的重要性、必要性和有效性,以期对解决我国当前阶段中小企业贷款难问题有所裨益。
According to a study conducted by the World Bank, the effectiveness of the protection of lenders’ rights is a determining factor that affects the financing of SMEs. In our country, due to the imperfect laws, the lack of protection for the rights of creditors seriously affected the financing of SMEs. Dezhou, Shandong Province, increased the protection of lenders’ rights with administrative measures, increased the confidence and enthusiasm of banks to lend, and the growth of loans to SMEs was renewed Into the fast lane. Based on the case, this article analyzes in depth the importance, necessity and effectiveness of administrative protection of credit rights protection for SME financing in the hope of solving the problem of SME loan difficulty in current stage.