银行民营是改善中小企业融资状况的有效途径

中小企业已成为我国经济发展进程中一支重要力量,但其所处的商业环境尤其是融资环境却不容乐观,大量的中小企业靠内源融资发展,外源融资不畅,存在很大的资金缺口,这极大地阻碍了中小企业的规模扩张和新技术的采用,成立民营银行,为中小民营企业提供资金支持是解决民营企业所面临的融资困境的有效途径,而建立健全的中小企业信用担保体系则是两者形成良性循环的重要保证。

Bank Non-governmentalization: The Effective Approach to Improving the Financing Conditions of Small-and-medium-sized Enterprises

Small-sized and medium-sized enterprises have become an important force in the development of Chinese economy. However, there is not a satisfactory business environment for them , many of which have to rely on their own accumulation of profits. The insufficiency of capital owing to the blocked outer financing channels have seriously prevented these enterprises form expanding their scale and adopting new technologies. To found non-governmental banks can be a good solution to this financing difficulty by offering money support to small-sized and medium-sized enterprises. It is likely to establish good credit ensurance system to guarantee a fine cycle between the enterprises and the banks.