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。
关键词
中小企业;消极贷款;融资效果; 对策
Since the 1990s, the SMEs are an important part of our national economy, the negative SME Bank loans have become important issues affecting the sustainable development, SMEs are often applying for the loan and the bank has not approved orSMEs themselves may feel will be shut out by banks and companies reluctant to put forward the application, both cases will influence the effect of SME financing. More comprehensive analysis, based on a careful analysis of cause of difficulty in obtaining loans for various reasons and contradictions, from the two perspectives of China’s SMEs and bank loans and the corresponding countermeasures.
Key words
SME; Negative loan; Financing effect; Countermeasure
Abstract………………………………………………………. II
一、我国中小企业贷款现状分析……………………………………… 2
(一)银行方面现状………………………………………………………………………………………….. 2
(二)我国中小企业方面现状……………………………………………………………………………. 3
二、银行对中小企业消极贷款的主要原因分析…………………………… 3
(一)中小企业贷款风险大,导致银行惜贷………………………………………………………. 3
(二)银行方面的原因………………………………………………………………………………………. 4
(三)管理机构对中小企业的贷款的扶持政策不到位………………………………………… 5
(四)当前信息披露机制的不完善…………………………………………………………………….. 5
三、改善中小企业与银行消极贷款的建议………………………………. 6
(一)提高中小企业申请贷款的积极性和申请质量……………………………………………. 6
(二)规范和壮大中小企业的信用担保机构………………………………………………………. 6
(三)提高银行对贷款申请的评估能力……………………………………………………………… 6
(四)完善中小企业信贷扶持政策,促进中小企业信贷机构发展………………………. 7
(五)加大对中小企业信贷机构技术支持力度…………………………………………………… 8