我国民营企业银行贷款难原因分析  

Study on the Reasons for Difficulties of China SMEs Bank Financing

作　　者：张国亭[1] 

机构地区：[1]中共山东省委党校管理学部,济南250021

出　　处：《科技和产业》2008年第12期96-98,共3页Science Technology and Industry

摘　　要：随着我国社会主义市场经济的发展,民营企业在保证国民经济持续、健康、稳定发展中的作用越来越重要。然而,目前民营企业银行贷款难已成为制约我国民营企业发展的"瓶颈"。本文从民营企业发展、商业银行决策、融资环境支持的角度入手,分析了我国民营企业银行贷款难的原因,并提出了相应的对策方向。With the development of socialist market economy,SMEs play a more and more important role in ensuring sustained,healthy and steady development of national economy.However,at present,indirect financing has become bottleneck in the development of SMEs.In this pa- per,difficulties in bank financing of SMEs have been analyzed in view of their development,decision support in commercial banks and financing en- vironment.

关 键 词：民营企业 银行贷款 银行决策 融资环境 

分 类 号：F275.1[经济管理—企业管理]