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中小企业贷款难和国有商业银行难放贷的症结分析与对策
引用本文:韩光道.中小企业贷款难和国有商业银行难放贷的症结分析与对策[J].金融论坛,2005,10(5):52-55.
作者姓名:韩光道
作者单位:鹤壁职业技术学院
摘    要:中小企业在我国国民经济中具有十分重要的地位,加快中小企业发展对全面建设小康社会具有十分重要的作用。然而,中小企业贷款难和国有商业银行难放贷的问题在现实经济生活中却客观存在。其症结既有企业自身原因,又有金融机制的制约因素,另外,还包括社会环境等方面的原因。疏通国有商业银行和中小企业之间的融资渠道,必须实现政府、银行、企业三方联动,采取系统对策。政府要发挥宏观调控的主导作用,努力营造促进中小企业发展以及国有商业银行向中小企业贷款的政策法制环境和社会服务环境;国有商业银行要深化产权制度改革,转换经营体制和机制;中小企业要不断提升自身素质。

关 键 词:国有商业银行  中小企业  融资
文章编号:1009-9190(2005)5-0052-04

Problem Analysis of Borrowing Difficulty by Small-and-Medium Sized Enterprises and Lending Difficulty by State-Owned Commercial Banks and Countermeasures
Han Guangdao.Problem Analysis of Borrowing Difficulty by Small-and-Medium Sized Enterprises and Lending Difficulty by State-Owned Commercial Banks and Countermeasures[J].Finance Forum,2005,10(5):52-55.
Authors:Han Guangdao
Institution:Han Guangdao
Abstract:Small and-Medium Sized Enterprises have an important role to play in our national economy. Stepping up their development is vital to building a moderately well-off society in an all-round way. However, in actual economic life, difficulties do exist for SMS to borrow and banks to lend. They are caused by enterprises themselves and constraints imposed by financial institutions as well as social environment and etc. So, to remove financing difficulties between state-owned commercial banks and SMS enterprises, government, banks and enterprises should joint hands and take systemic countermeasures. Government is expected to play its dominant role of macro-control and strive to provide a policy environment ruled by law and supported by social service to facilitate the growth of SMS enterprises and lending to the former by state-owned commercial banks; banks are called to deepen ownership reform and transform operation system and mechanism, while SMS enterprises are urged to constantly improve themselves.
Keywords:state-owned commercial banks  small-and-medium sized enterprise  financing
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