中小企业信贷融资环境研究  

Research on the credit financing environment of SMEs

作　　者：王效彬 王曼 WANG Xiao-bin;WANG Man(Qingdao Branch,China Development Bank,Qingdao 266071,China;Department of Science and Technology,Qingdao University of Science and Technology,Qingdao 266061,China)

机构地区：[1]国家开发银行青岛分行,山东青岛266071 [2]青岛科技大学科技处,山东青岛266061

出　　处：《青岛科技大学学报（社会科学版）》2020年第1期36-41,共6页Journal of Qingdao University of Science and Technology(Social Sciences)

摘　　要：中国经济正处于转变发展方式、优化经济结构、转换增长动力的关键阶段,中小企业在其中发挥着重要的作用。信贷融资是企业融资的主要方式,然而,我国不完善的中小企业融资环境形成了我国中小企业信贷融资困难的局面,制约了中小企业的发展。造成我国中小企业信贷融资环境现状的原因包括:一是中小企业自身原因,二是法律法规相对滞后,三是银行经营管理模式与中小企业信贷融资需求不相符,四是民间金融存在较大风险。因此,应从政策和制度保障、信用担保体系构建、征信体系建设、技术和人才支持等方面采取相应措施以完善中小企业信贷融资环境。而在这种情形下,政府的介入成为一种必然的选择,只有在政府和市场的共同作用下,才能更好地推动信贷融资环境的完善,打破中小企业信贷融资难的困境,进而促进中小企业的发展。China’s economy is at a crucial stage of transforming its growth model,optimizing its economic structure and transforming its growth drivers,and the small and medium-sized enterprises (SMEs) are playing an important role in this process.Credit financing is the main way of enterprise financing.However,the imperfect credit financing environment of SMEs in China has formed a difficult situation of credit financing of SMEs in China,which restricts the development of SMEs.The reason for the current situation of credit financing environment of SMEs in China include:first,the reasons of SMEs themselves;second,laws and regulations are relatively lagging behind;third,the bank operation and management mode is not consistent with the credit financing needs of SMEs;fourth,there are relatively serious risk in private finance.Therefore,measures should be taken to improve the credit financing environment of SMEs from the guarantee of policy and system,the construction of guarantee system,the construction of credit investigation system,and the support of technology and talent.In this case,the government’s intervention has become an inevitable choice.Only under the joint action of the government and the market,can we better promote the improvement of credit financing environment,break the predicament of difficulty in financing credit of SMEs and then promote the development of SMEs enterprises.

关 键 词：信贷融资 融资成本 融资环境 征信体系 

分 类 号：F832.4[经济管理—金融学]