基于供需框架的中小企业贷款难及破解方法研究

通过分别从中小企业自身的在贷款条件方面的弱点和银行对中小企业贷款的供给上机制上分析了中小企业贷款难的问题，并结合供需两方面，分析了银行不同于一般企业和贷款不同于一般实物商品的特点，认为利用利率这个价格杠杆来解决供需矛盾是不可行的，进而提出了中小企业贷款难的短期、中期、长期解决办法。

Study on Small Enterprises Loan Difficulty and Its Solution Basing on Supply and Demand Framework

The paper analyzed the problem of borrowing difficulty by small and medium sized enterprises from borrowing weakness of small-and-medium sized enterprises and loan supplying of banks, the paper also combined the supply and demand both side, analyzed the characteristics of bank that differ from the general business enterprise and loans differed from the general real object merchandise, thought that the exploitation interest rate to resolve the problem of supply and demand is not viable, then put forward the short, middle, long-term solutions of small-and- medium sized enterprises borrowing difficulty.