商业银行创新服务中小企业融资的再思考

经过多年发展,我国中小企业无论是在企业数量还是在创造产值方面都取得了令人瞩目的成就,已经成为国民经济不可或缺的重要组成部分,是推动经济发展的主要生力军。但是,随着我国经济改革的不断深入,中小企业在发展过程中遇到的困难也日益凸显,融资难已经成为当前制约其发展的最主要障碍。作为中小企业外部融资主渠道的商业银行,受内外部诸多因素的影响和制约,当前提供的信贷产品已经无法满足中小企业日益增长的融资需求。本文就商业银行如何开展金融服务创新,更好地服务中小企业融资进行了浅析和思考。

On the Innovation of Commercial Bank Serving for Small and Medium-sized Enterprises＆#39; Financing

After years of development, small and medium-sized enterprise in China has achieved great achievements in the number of enterprises and in the creation value, which has become an important indispensable component of the national economy, and is also the main force to promote economic development. However, with the continuous deepening of economic reform, small and medium-sized enterprises encounter many difficulties in the development;financing difficult has become the main obstacle which restricts its development at present. As the main channel of small and medium-sized enterprises, the commercial banks are restricted and influenced by internal and external factors;the current credit products have been unable to meet the financing needs of small and medium-sized enterprises. This paper studies on the commercial banks how to develop financial service innovation and better serve the financing of small and medium sized enterprises.