信贷配给视角下我国中小企业的融资困境及对策  

Credit Rationing of China from the Perspective of Financing Predicament of Small and Medium Enterprises and Countermeasures

作　　者：雷杰[1] 

机构地区：[1]昆明学院社会管理学院,云南昆明650214

出　　处：《昆明学院学报》2012年第1期79-81,87,共4页Journal of Kunming University

基　　金：2011年度云南省哲学社会科学规划课题(YB201114);2011年度云南省教育厅科学研究基金重点项目(2011Z082)

摘　　要：中小企业在发展过程中的主要问题是融资困难。消除信贷配给压力,对缓解中小企业融资难问题具有重要的意义。通过加大贷款供给力度、大力发展中小金融机构、拓宽融资渠道、强化内源融资能力、健全信用制度、注重信息披露、提高信用担保能力以及积极开发金融机构小额贷款功能等措施,可缓解或消除信贷配给压力。Small and medium-sized enterprises in the development process of the main problems encountered financial difficulties.Eliminating credit rationing pressure has the important practical significance for small and medium enterprises to alleviate the financing problem.The pressure of credit rationing can be reduced or eliminated with the increase of the loan supply,the vigorous development of small and medium-sized financial institutions,the broadening of the financing channels,the enhancement of the internal financing ability,the perfection of the credit system,the more attention to information disclosure,the improvement of the credit guarantee ability and the positive development of the loan measures for financial institutions.

关 键 词：信贷配给 中小企业 融资困境 融资渠道 

分 类 号：F83[经济管理—金融学] F275