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中小企业融资难问题探析

On the financing difficulty of small and medium-sized enterprises

Finance Analysis and Management / 2020,2(1): 26-32 / 2020-05-07 2355 3796

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• Authors: 高文宣     
• Information:

  河南工业大学，郑州

• Keywords: 中小企业；抵押贷款；融资瓶颈；对策
• Small and medium-sized enterprises; Mortgage loan; Financing bottleneck; Countermeasures
• Abstract: 中小企业是我国国民经济发展的重要支柱之一，也创造了大部分的就 业机会，但是融资难一直是困扰我国中小企业发展的一个“瓶颈”问题。只要 国家在政策上鼓励商业银行支持中小企业融资，同时商业银行通过创造性开通 贷款通道，中小企业强化自身条件并加强与银行进行信息沟通，这个问题可以 缓解。本文结合中小企业融资“瓶颈”问题，研讨其突破融资“瓶颈”的对策 措施。
• Small and medium-sized enterprises are one of the important pillars of China's national economic development, and also create most of the employment opportunities. However, the difficulty of financing has always been a "bottleneck" problem that plagues the development of small and medium-sized enterprises in China. As long as the State encourages the commercial banks to support the financing of small and medium-sized enterprises in terms of policies, and the commercial banks creatively open loan channels, the small and medium-sized enterprises strengthen their own conditions and strengthen information communication with the banks, this problem can be alleviated. Based on the financing bottleneck of small and medium- sized enterprises, this paper discusses the countermeasures to break through the financing bottleneck.
• DOI: https://doi.org/10.35534/fam.0201005c
• Cite: 高文宣．中小企业融资难问题探析［J］．金融分析与管理，2020，2（1）：26-32．