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长期以来,中小企业都面临着一个始终难以从根本上解决的问题——融资难。相对于大企业,中小企业的资金回收成本、信息采集成本和市场交易成本都比较高,对资金的需求也更为渴望。但银行机构对于向中小企业贷款却有着满腹疑窦,站在银行的角度上,向中小企业贷款则意味着将面临风险不可控、成本高、贷款金额低、时间短等难题。这一对“天然矛盾”导致的结果是,我国中小企业从银行融资的途径几乎陷入断绝。据统计,目前我国80%中小微外贸企业退税时间超过4个月,95%采用款到发货的方式,订单融资可能性为零。为此,人们想知道,能否找到一种,可以有效消除双方疑虑的方式,从
For a long time, SMEs are facing a problem that has always been difficult to solve fundamentally - financing difficulties. Relative to large enterprises, SMEs capital recovery costs, information collection costs and market transaction costs are relatively high, the demand for funds is also more eager. However, banks have a lot of doubts about lending to SMEs. From a bank’s point of view, lending to SMEs means that they will face the challenges of uncontrollable risks, high costs, low loan amounts and short time. The result of this “natural contradiction” is that the way for SMEs in our country to get bank financing is almost cut off. According to statistics, 80% of China’s small and medium-sized micro-foreign trade enterprises tax rebate time of more than 4 months, 95% using payment to delivery, order financing possibility is zero. For this reason, people want to know if they can find a way that can effectively eliminate the doubts of both parties.