中小企业信贷业务的发展瓶颈与对策研究

中小企业融资难一直是困扰国内理论实务界的共性问题,尤其是在全球经济呈现下滑走势,国际金融风暴愈演愈烈的当前,显得更为突出。研究这一问题的重要性在于,它不仅仅是中小企业自身的问题,也是国内商业银行结构调整和战略转型的突破口,更与国家长治久安、全面协调可持续发展有着密切关联。对内源融资不足的国内中小企业,银行授信仍是其对外融资的主要渠道,目前反应强烈的中小企业融资难问题主要针对的也是银行信贷业务的投放乏力。本文尝试从国内商业银行中小企业信贷业务的发展瓶颈探析着眼,研究并提出具体的解决思路、途径和对策。

Small and medium enterprise credit business's development bottleneck and countermeasure research

The difficulty of financing for SMES has been long a disturbing issue in both theoretical and empirical fields. This issue highlights especially in the context of current global economic downturn and deteriorating financial situatio. The significance of this passage is not only for the SMEs themselves. but closely relates to the structure adjustment and strategy transformation of commercial banks; enen means a lot for long-term stability and comprehensive harmonious sustainable development of our country. For domestic SMEs who have insufficient internal finance, credit from banks serves as main channels of financing. For, now, heatedly responsive issue--difficulty of financing for SMEs generally focuses on the limited injection of bank loans. This passage tentatively seeks the limitations for SMEs＇ loan business of domestic commercial banks and points out the detailed outline as well as methods of resolution.