论文部分内容阅读
本文利用京津冀地区的微观调查数据,研究了我国中小企业融资难的现状和原因。本文研究结果表明:我国中小企业的庞大潜在信贷需求尚无法得以充分满足,目前的解决途径只能是依靠建立在家庭血缘和社会关系基础上的传统借贷渠道;上述问题的形成,既有来自银行等金融系统方面的原因,也有来自中小企业自身的原因;针对主要原因的总结本文提出了一些相应的对策。
This paper uses the micro-survey data of Beijing, Tianjin and Hebei Province to study the current situation and reasons of financing difficulties of SMEs in our country. The results of this study show that the huge latent credit demand of SMEs in our country still can not be fully satisfied, and the current solutions can only rely on the traditional channels of loans based on family ties and social relations. The formation of these problems includes not only the bank And other financial systems, but also from the SMEs themselves; Summary of the main reasons for this article put forward some countermeasures.