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当今,在我国经济增速放缓的背景下,民营企业及中小企业正在成为我国经济发展中不可或缺的生力军。值得一提的是,民营企业尤其是中小企业在经营过程中遇到了诸多困难,如品牌影响力、销售能力、融资能力等等,这其中融资困难成为阻碍其发展的一大瓶颈问题。由于受我国经济、财税政策的影响,兼之中小企业自身发展中的先天不足等,导致其无法成为银行现行贷款制度下的适格主体,无法实现两者之间的良好匹配,从而造成中小企业融资困难的局面。一直以来,国家层面、地方政府层面均陆续出台了相关制度措施对中小企业贷款给予支持,各金融机构及中小企业也为之不断进行产品、模式上的创新尝试,但综上林林总总,中小企业融资难的问题仍未得到根本有效解决。本文将主要从银行及中小企业两个维度,探究融资困难的原因以及解决其融资难问题的具体思路。
Nowadays, under the background of slowing economic growth in our country, private enterprises and small and medium-sized enterprises are becoming an indispensable new force in the economic development of our country. It is worth mentioning that private enterprises, especially small and medium-sized enterprises, have encountered many difficulties in their operation, such as brand influence, sales ability and financing ability, among which financing difficulties have become a major bottleneck impeding their development. Due to the impact of China’s economic, fiscal and tax policies, as well as inherent deficiencies in the development of SMEs, SMEs can not become eligible subjects under the existing loan system and can not achieve a good match between the two, resulting in difficulties in financing SMEs The situation. All along, relevant government measures have been promulgated at the national and local government levels to support SME loans. Various financial institutions and small and medium-sized enterprises are constantly trying their best to make innovations in products and modes. However, Difficult problems have not yet been solved effectively. This article will mainly explore the causes of financing difficulties and the concrete ideas to solve their financing difficulties from the two dimensions of banks and SMEs.