地方政府在解决中小企业融资难问题中的责任

我国中小企业融资难既具有一般普遍性又具有特殊性,解决这一问题的现有措施是通过垂直的行政指令和指导方式推动银行放款。但这一路径的缺陷在于它与银行自主开展业务的要求形成内在冲突,效果不理想。因此,只有从中小企业自身一般性劣势入手,通过中小企业的"优生优育"、盈利性预期的增强以及中小企业信用生态的建设,让银行在自主发现过程中提高对中小企业贷款意愿,而地方政府在这些方面具有不可或缺的责任,应该发挥不可替代的作用。

Local Governments' Responsibility in Solving the Financing of SMEs

The financing difficulty of SMEs in China is not only a universal but a special problem.Existing measure to solve this problem is to force banks to loan to SMEs by vertical administrative instructions and guidance.But the measure is conflict with the inherent requirements of banks operations,so result is not satisfactory.We should strictly approve SMEs,enhance their expected profitability and construct credit ecology to increase will that banks lend to SMEs.In all those respects,local government should play an irreplaceable role and has indispensable responsibility.