从商业银行角度探讨中小企业融资问题
摘要:中小企业是中国经济的重要组成部分，在我国的国民经济和社会生活中发挥着举足轻重的作用。中小企业不仅为我国的经济发展做出了重大贡献，而且还对我国的社会稳定起到了积极作用，还是我国科技发展与创新的尖端力量，在确保国民经济适度增长、缓解就业压力、实现科教兴国、优化经济结构等方面，均发挥着越来越重要的作用。但融资难问题一直困扰着中小企业，成为制约中小企业发展的瓶颈。长期以来，中小企业所获得的金融资源却十分匾乏，特别是通过银行融资难的问题己经成为严重制约我国中小企业进一步发展的最大瓶颈。本文首先分析了中小企业融资难的原因，然后论述了发展中小企业融资业务对我国商业银行的重要意义，最后对商业银行如何发展中小企业业务提出几点建议。
关键词：商业银行，中小企业，融资
Title: Based on the angle of commercial banks on small and medium enterprise financing problem
Abstract: the small and medium-sized enterprises is an important part of China’s economy, in the national economy of our country and social life play a decisive role. Small and medium enterprises not only for China’s economic development made a significant contribution, but also to our country social stability to have positive effect, or the development of our country science and technology and innovation of tip force, in ensure national economy grows moderately, alleviate obtain employment pressure, implementation of revitalizing the nation through science and education, optimizing the economic structure, are playing more and more important role. But the problem of financing small and medium enterprises has been troubled, become a bottleneck restricting the development of smes. Long-term since, small and medium-sized enterprises of financial resources are very deficient, particularly through the financing problem has become the serious restriction our country small and medium-sized enterprise further development of the biggest bottlenecks. This paper firstly analyzes the financing of small and medium-sized enterprises, then discusses the development of medium-sized and small enterprises financing business in Commercial Bank of our country ‘s important meaning, the last on how commercial banks the development of small and medium enterprises business proposals.
Key words: commercial banks, small and medium enterprises, financing
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