金融危机背景下南通中小企业融资现状分析与融资环境评价

南通市中小企业受金融危机的影响较大,有效信贷需求不旺。大多中小企业融资困难,但融资难的原因各不相同,不同行业的融资难度也有所差别;外源性融资主渠道是银行贷款,但贷款的难度依然较大。政府部门及时出台相关政策措施,金融机构积极加大融资力度,但中小企业的整体融资环境仍欠佳。中小企业融资难问题的解决,关键在于优越的政策环境的培育以及实在的支持方案的落实。

Nantong small and medium enterprise financing present situation analysis and financing enviornment evaluation with financial crisis background

SMEs in Nantong suffered a greater influence by the financial crisis.The effective credit demand is not strong.Most small and medium enterprises is facing financing difficulties for different reasons.Financing difficulties for SMEs in different industries have also been differences.The main channel of exogenous financing is bank loans,but the difficulty in maintaining the loan.Relevant policies and measures have been introduced timely by Government departments.Financing efforts have been increased actively by financial institutions.However,the overall financing environment for SMEs is still poor.Solution to the problem of SME financing difficulties lies in the cultivation of favorable policy environment,as well as substantial support to the implementation of the program.