后危机时代中小企业信贷融资趋势、原因及约束

发布时间：2018-03-21 09:04

本文选题：后危机时代　切入点：中小企业　出处：《山东社会科学》2010年12期 　论文类型：期刊论文

【摘要】：后危机时代由于经济布局、金融体制、融资担保、信用体系及财务制度等制约中小企业融资的深层次问题没有得到根本性解决,中小企业融资难现象依然较为突出,资金问题仍然是制约中小企业发展的瓶颈。切实解决中小企业融资难问题,政府要转变经济发展思路,从政策、资金等各方面加大对中小企业的扶持力度,大力发展为中小企业服务的中小金融机构,加快构建和完善中小企业信用体系,扶持、规范和发展中小企业担保公司,建立中小企业财务人员的定期免费培训制度,为中小企业发展创造良好的融资环境。金融机构要进一步转换经济机制和思路,建立符合中小企业特色的信用评价和信贷标准,从信贷产品、贷款门槛、审批流程等各方面为中小企业融资创造条件。中小企业自身更要加强内部管理,规范经营,建立和完善财务制度,为拓宽融资渠道创造积极条件等。
[Abstract]:The post crisis era because of economic structure, financial system, financing guarantee, credit system and financial system and other deep-seated problems restricting the financing of small and medium-sized enterprises have not been fundamentally solved, SMEs financing phenomenon is still relatively prominent, funding is still the bottleneck restricting the development of SMEs. To solve the problem of SME financing, the government should change the thoughts of economic development, from the policy, increase support for small and medium enterprises in all aspects of the capital, vigorously develop small and medium-sized financial institutions for small and medium enterprises, accelerate the construction and improvement of credit system for small and medium-sized enterprises, to support the specification and development of small and medium-sized enterprises, Guarantee Corporation, financial personnel of small and medium-sized enterprises establish regular free training system, create a good financing environment for the development of small and medium-sized enterprises. Financial institutions should further transform the economic mechanism and the idea of establishing the characteristics of small and medium-sized enterprises credit evaluation Price and credit standards create conditions for SME financing from all aspects of credit products, loan threshold and approval process. SMEs themselves need to strengthen internal management, standardize operation, establish and improve financial system, and create positive conditions for expanding financing channels.

【作者单位】：山东大学管理学院;中国人民银行济南分行;
【分类号】：F832.4;F276.3

【二级参考文献】