中小企业融资难与银行信贷体制比较分析  

A Comparative Analysis of the Financing Problems for Small and Medium-sized Enterprises and the Bank Credit System

作　　者：邵兴忠[1] 

机构地区：[1]浙江金融职业学院金融与投资系,浙江杭州310018

出　　处：《金融理论与实践》2004年第5期28-30,共3页Financial Theory and Practice

摘　　要：我国在改革开放的进程中,民营经济得到了空前的发展。民营经济的发展为我国的经济增长、产业结构调整和劳动力就业等方面作出了巨大的贡献。我国的民营企业基本属于中小企业,其在经济的发展过程中遇到了许多新的问题,其中最为突出的是融资困难问题,而中小企业融资困难是制约我国中小企业发展的一个瓶颈问题。针对制约我国中小企业融资的现实因素,要对中小企业融资规律进行再认识,并提出从根本上解决我国中小企业融资困难的对策。In the course of China's opening-up and reform, the private enterprises are developing at an unprecedented rate, which greatly contributes to the economic growth, to the industrial restructuring and to the manpower's employment. These enterprises, mostly of small or medium scale, are faced with many new problems, especially in financing. Undoubtedly, the financing problem has become a major barrier to their further development. This paper begins with a careful analysis of the realistic factors restricting financing in the small and medium-sized enterprises. Then, it holds that we should clearly recognize the financing principles in the small and medium-sized enterprises. Finally, it puts forward some suggestions on how to settle this problem.

关 键 词：中小企业 融资体系 银行信贷体制 商业银行 企业融资 融资风险 

分 类 号：F279.243[经济管理—企业管理] F832.4[经济管理—国民经济]