广东省中小企业信贷融资方案

中小企业是我国未来经济发展的底层框架,但由于自身生命周期短、创业初期资金周转紧张、融资难度大等特点约束了普遍中小企业的进一步发展,让一些优质的项目、优质的企业在萌芽之中死亡。尽管我国政府近年来大力推广中小企业技术改革,中国人民银行也一再降准①降息,但中小企业融资缺口依然十分巨大。论文基于中小企业目前的发展状况以及各银行的信贷要求等方向出发,讨论中小企业信贷融资应该关注的重点,引导解决中小企业融资问题。

Credit Financing Scheme for Small and Medium-Sized Enterprises in Guangdong Province

Small and medium-sized enterprises(SMEs)are the underlying framework of China's future economic development.However,due to their short life cycle,tight capital turnover and difficult financing in the initial stage of entrepreneurship,the further development of SMEs is restricted,and some high-quality projects and high-quality enterprises die in the bud.Although our government has vigorously promoted the technological reform of SMEs in recent years,and the People's Bank of China has repeatedly reduced interest rates,the financing gap of SMEs is still huge.Based on the current development situation of SMEs and the credit requirements of banks,this paper discusses the focus of SMEs'credit financing,and leads to solve the financing problems of SMEs.