Keywords:
Small and medium-sized enterprises; Mortgage loan; Financing bottleneck; Countermeasures
中小企业;抵押贷款;融资瓶颈;对策
Abstract:
Small and medium-sized enterprises are one of the important pillars of
China's national economic development, and also create most of the employment
opportunities. However, the difficulty of financing has always been a "bottleneck"
problem that plagues the development of small and medium-sized enterprises in
China. As long as the State encourages the commercial banks to support the financing
of small and medium-sized enterprises in terms of policies, and the commercial banks
creatively open loan channels, the small and medium-sized enterprises strengthen
their own conditions and strengthen information communication with the banks, this
problem can be alleviated. Based on the financing bottleneck of small and medium-
sized enterprises, this paper discusses the countermeasures to break through the
financing bottleneck.
中小企业是我国国民经济发展的重要支柱之一,也创造了大部分的就
业机会,但是融资难一直是困扰我国中小企业发展的一个“瓶颈”问题。只要
国家在政策上鼓励商业银行支持中小企业融资,同时商业银行通过创造性开通
贷款通道,中小企业强化自身条件并加强与银行进行信息沟通,这个问题可以
缓解。本文结合中小企业融资“瓶颈”问题,研讨其突破融资“瓶颈”的对策
措施。