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中小企业是我国国民经济发展中最具活力的一部分,其在国民经济中占有重要地位,同时也是商业银行重要的客户群。当前,如何有效地解决中小企业融资难问题特别是信贷支持问题,已成为制约中小企业发展的主要障碍之一。下面,笔者将在对中小企业贷款难的成因进行分析的基础上,提出一己之见。一、造成中小企业贷款难的成因(一)银行现行信贷管理体制的制约。1.各商业银行贷款权限的上收。近年来,各商业银行在县级区域大力撤销机构的同时,对贷款的审批权限也一收再收。这种贷款最终审批权的上收,一方面造成基层商业银行重存轻贷,对发放贷款没有积极性,致使许多好的中小企业被银行自身因素制约而排挤在外;另一方面贷款审批手续严、环节多、时间长、费用大,虽说这种审批程序规范性强、风险性小,但其低时效性、高成本性和“衙门”作风都与中小企业的强时效性、低利润及高效率性极不协调,影响了中小企业贷款的积极性,或者说限制了中小企业贷款。
Small and medium-sized enterprises are the most dynamic part of the national economy in our country. They occupy an important position in the national economy and are also an important customer base for commercial banks. At present, how to effectively solve the financing problem of small and medium-sized enterprises (SMEs), especially credit support, has become one of the main obstacles to the development of SMEs. The following, I will SMEs in the cause of the difficulties of loans on the basis of analysis, put forward their own views. First, the causes of SME loans difficult (A) the bank’s existing credit management system constraints. 1. All commercial banks lending authority received. In recent years, all commercial banks vigorously withdrew their institutions at the county level, and their approvals and approvals for loans have been reopened. The final approval of such loans on the one hand, causing the grass-roots commercial banks to re-save the light loans, loans are not motivated, resulting in many good small and medium-sized enterprises are restricted by the bank itself crowding out; the other hand, strict loan approval procedures, Although the examination and approval procedure is more normative and less risky, its low timeliness, high cost and “Yamen” style are all in line with the timeliness and low profitability of SMEs and High efficiency is extremely uncoordinated, affecting the enthusiasm of SME loans, or limit the loans for SMEs.