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尽管中央针对小微企业融资困境的指导意见不断出台,但是现实下的小微企业融资难、融资贵的状况并未得到明显缓解。有数据显示,截至2013年底,全国用于小微企业的贷款余额为17.76万亿元,小微企业仍有22万亿元的资金缺口未能有效解决。此外,目前国内6成以上小微企业贷款为高利贷,年利率超24%,已超出规定贷款利率6%的4倍上限。亦有分析者认为,尽管中央针对小微企业融资困境的指导意见不断出台,但是现实下的小微企业融资难、融资贵的状况并未得到明显缓解。
Although the Central Government has continuously issued guidance on the plight of small and micro enterprises, the actual financing difficulties and financing problems of small and micro enterprises have not been significantly alleviated. Statistics show that as of the end of 2013, the loan balance for small and micro enterprises across the country was 17.76 trillion yuan while the small and micro enterprises still had 22 trillion yuan of funding gap that could not be effectively solved. In addition, more than 60% of domestic small and micro enterprise loans are usurious loans at an annual interest rate of over 24%, exceeding the upper limit of 4% of the stipulated lending rate of 6%. Some analysts also believe that despite the central government’s guidance on the plight of small and micro enterprises financing constantly issued, but the reality of small and micro enterprises financing difficult and financing expensive situation has not been significantly alleviated.