关于小微企业融资难融资贵问题的思考——基于商业银行的视角

发布时间：2018-01-10 07:39

  本文关键词：关于小微企业融资难融资贵问题的思考——基于商业银行的视角　出处：《当代经济》2016年36期 　论文类型：期刊论文

  更多相关文章： 小微企业 商业银行 融资难 融资贵 建议

【摘要】：小微企业融资难、融资贵问题由来已久,是个"老大难"问题,本文从商业银行的视角分析小微企业融资难和融资贵的原因,认为商业银行思想意识、考核导向导致小微企业融资难;商业银行对利润的追逐,以及资金和管理成本逐年增加导致小微企业融资贵。针对小微企业融资难融资贵的问题本文给出建立差别化有激励的考核体系、提高小微企业业务办贷效率、减免息费惠及广大小微企业的建议。
[Abstract]:The financing of small and micro enterprises is difficult, the problem of financing expensive has a long history, is a "old difficult" problem, this article from the perspective of commercial banks to analyze the small and micro enterprises financing difficulties and financing expensive reasons, think commercial banks ideological consciousness. The examination direction leads to the financing difficulty of the small and micro enterprises; The pursuit of profit by commercial banks, as well as the increasing of capital and management costs year by year, lead to the small and micro enterprises financing expensive. In view of the problem of small and micro enterprises financing difficult to finance expensive, this paper gives the establishment of differential incentive assessment system. Improve the efficiency of small and micro-enterprise business loan, reduce interest charges to benefit the majority of small and micro-enterprises.
【作者单位】： 中国农业银行总行;
【分类号】：F276.3;F832.4
【正文快照】： 一般来说,小微企业经营具有以下三个显著特征:一是规模小,轻资产。小微企业的核心竞争力往往表现为知识产权和品牌价值等无形资产,可用于抵质押的固定资产相对较少。二是经营波动大,抗风险能力弱。大多数小微企业处于竞争程度较高的行业,易受经济周期波动影响,存续期较难预料，

本文编号：1404430