我国中小企业贷款难的原因及对策分析

摘要

二十世纪九十年代以来，中小企业是我国国民经济的重要组成部分，中小企业与银行的消极贷款已经成为影响可持续发展的重要问题，中小企业经常会出现提出贷款申请而银行没有批准，或者是中小企业本身可能感觉会被银行拒之门外而使得企业本身不愿意提出申请的情况，这两种情况都会影响到中小企业融资的效果。在认真分析造成贷款难各种原因和矛盾的基础上，从我国中小企业和银行贷款两个角度进行更为全面的分析，并提出相应的对策。本文就中小企业贷款问题进行剖析。随着经济的不断发展，经济结构的不断改变，中小企业如雨后春笋般发展起来。中小企业因规模小、经营方式灵活，已然成为经济发展的重要支柱，成为GDP增长的主要动力。然而中小企业同样面临着很多的困扰，比如法律规章制度的限制，专业人才的缺乏等等，但是贷款难或是融资难往往是阻碍中小企业发展的主要因素。本文从中小企业的发展及在经济发展中的作用，中小企业面临的困境结合目前商业银行在中小企业贷款业务方面的开展进行分析，针对所得出的结论提出相应解决办法。同时以我国银行独具特色的中小企业贷款业务做为实例，展现中小企业贷款业务的巨大前景。

关键词：中小企业；贷款；融资

China small and medium enterprise loan difficult reason and countermeasure analysis

Abstract

Since the nineteen ninties, small and medium-sized enterprises in China is an important part of the national economy, small and medium-sized enterprises and bank loan has become a negative influence of important problems of sustainable development of small and medium-sized enterprises, occur frequently in applying for the loan and the bank without approval, or the small and medium-sized enterprise itself may feel will be bank shut sb. And making the enterprise itself is not willing to put forward application, these two kinds of circumstances will affect the effect of financing of small and medium-sized enterprises. In serious analysis causes loans to various causes and contradiction on the basis, from our country small and medium-sized enterprise and bank loans two angle to undertake more comprehensive analysis, and proposed the corresponding countermeasure. This paper analyzes the problems of medium and small business loan. With the continuous development of the economy, the economic structure changing, such as bamboo shoots after a spring rain rises like the development of small and medium-sized enterprises. The small and medium-sized enterprise because of small size, flexible mode of operation, already became the important pillar of economic development, become the main driver of GDP growth. However, small and medium enterprises also face many problems, such as the legal rules and regulations of the constraints, the lack of professionals and so on, but the loans or financing is often hindered the development of small and medium-sized enterprises are the main factors. This article from the small and medium-sized enterprise development and the role in economic development, difficulties faced by small and medium enterprises in combination of the commercial bank in the small and medium-sized enterprise loan business has carried out analysis, according to the conclusions and puts forward the corresponding solution. At the same time, the Chinese bank special loans to small and medium enterprises business as examples, show great prospect for SME credit business.

Keywords: Small and medium enterprises loan; financing;

目录

摘要………………………………………………………………………. I

Abstract……………………………………………………………………… II

前言………………………………………………………………………….. 1

第一章引言……………………………………………………………………. 2

1.1 选题背景与研究意义………………………………………………………. 2

1.2 研究思路与内容………………………………………………………….. 2

第二章文献综述………………………………………………………………… 3

第三章中小企业发展现状概述……………………………………………………… 5

3.1中小企业概况……………………………………………………………. 5

3.1.1中小企业的含义………………………………………………………… 5