乡镇企业贷款困难的原因分析  

Analysis of Reason for Difficulty of Providing A Loan to Town And Township Enterprise

作　　者：尚金梅[1] 

机构地区：[1]石家庄经济学院经济系,河北050031

出　　处：《乡镇经济》2003年第4期21-23,共3页Rural Economy

摘　　要：改革开放以来,我国乡镇企业得以迅速发展壮大,但贷款难的问题一直困扰着乡镇企业。造成这一问题的主要原因,一是乡镇企业经营规模不大,经营业绩不稳定,经营透明度比较低,资信等级偏低,贷款风险大。二是我国的银行体系高度集中,金融机构贷款成本高,缺乏适合为乡镇企业提供贷款服务的中小银行。三是缺乏乡镇企业专门的担保机构。Since reform and opening-up,the township enterprises of our country can develop rapidly.But the difficult issue of obtaining bank loan is perplexing the township enterprises.This text thinks,the main reason to cause this question is:First,The business scale of the township enterprises is not generally big,the business performance is unstable,it is lower to manage the transparency,the grade of credit of the township enterprises is on the low side,getting the loan has great risks.Second,The bank system of our country is too centralized,the financial institution loan is with high costs,lack the medium and small-scale bank that offer the financial service for the township enterprises in our country.Third,lack the special guarantee organization in credit for the township enterprises.

关 键 词：乡镇企业 贷款支持 中国 融资渠道 经营规模 中小银行 担保机构 

分 类 号：F832.4[经济管理—金融学] F275.1