金融危机后货币政策工具的使用对中小企业发展的影响及对策
当前中小企业的融资难问题并非单纯的融资困难，既是其经营出现困难导致资金紧张等现状的反映，也是现阶段我国乃至全球经济调整中诸多矛盾的综合体现；此外，金融危机导致中小企业原本存在的影响其获得贷款的问题更趋严重，而适度宽松的货币政策效果尚未明显显现，且货币政策区域效应的存在又影响了政策的效果。所以本文观点认为适度宽松的货币政策如果不能有效传导，就难以发挥应有的作用，所以应着力解决政策的传导问题，同时这些问题单靠货币政策不能完全解决，还需要其他支持结构调整、产业升级的政策配合。中小企业自身也需要加快转变粗放发展模式，适应结构优化要求。
Abstract
The financing problem of SMEs is not simply the financing difficulties, since the operating difficulties causes capital tension status reflect, also is the present stage our country and even global economic adjustment of various contradictions in the integrated embodiment; in addition, the financial crisis led to the small and medium-sized enterprise originally existed in the influence of its loan problem become more serious, and moderately loose the effect of monetary policy is not obvious, and the regional effects of monetary policy and influence the policy effect. This paper argues that the moderately loose monetary policy if not effective conduction, it is difficult to play its due role, so it should be solved policy conduction problems, while these problems rely on monetary policy cannot solve, need to support other structural adjustment, industry upgrading with the policy. Small and medium-sized enterprises also need to speed up the transformation of extensive development mode, to adapt to structural optimization requirements.
Key words: financial crisis; monetary policy; monetary policy
目录
摘要………………………………………………………………. 1
关键词…………………………………………………………….. 1
前言………………………………………………………………. 3
一、金融危机后货币政策工具的使用对中小企业发展的影响
…………………… 3
1.金融危机导致银行业对中小企业放贷更趋谨慎………………………….. 3
2.适度宽松的货币政策并未得到有效的传导……………………………… 4
二、金融危机后货币政策工具的使用对中小企业发展的对策……………………. 5
1.引导中小企业提升自身竞争力和承贷能力是解决问题的根本……………….. 5
2.建立完善的中小企业融资服务体系是解决问题的关键…………………….. 5
3.疏通货币政策传导渠道……………………………………………. 6
参考文献…………………………………………………………… 7
致谢………………………………………………………………. 8
