对外经贸
對外經貿
대외경무
Heilongjiang Foreign Economic Relations & Trade
2015年
9期
99-100
,共2页
小微企业%融资%担保
小微企業%融資%擔保
소미기업%융자%담보
small-micro enterprises%financing%guarantee
小微企业为我国的经济增长做出了巨大贡献，在增加就业、经济增长、技术创新等方面起到了巨大的推动作用。但融资能力差，融资渠道窄，融资难问题一直以来都是小微企业发展的瓶颈。究其原因主要由于企业担保能力有限，信用水平低；相关法律法规不健全，担保体系不完善；缺少满足小微企业发展的信贷机构和产品等。提出提高企业融资水平，降低贷款风险，政府应扩大政策惠及面，建立健全担保体系，商业银行加大对小微企业金融服务力度等破解小微企业融资难题的对策建议。
小微企業為我國的經濟增長做齣瞭巨大貢獻，在增加就業、經濟增長、技術創新等方麵起到瞭巨大的推動作用。但融資能力差，融資渠道窄，融資難問題一直以來都是小微企業髮展的瓶頸。究其原因主要由于企業擔保能力有限，信用水平低；相關法律法規不健全，擔保體繫不完善；缺少滿足小微企業髮展的信貸機構和產品等。提齣提高企業融資水平，降低貸款風險，政府應擴大政策惠及麵，建立健全擔保體繫，商業銀行加大對小微企業金融服務力度等破解小微企業融資難題的對策建議。
소미기업위아국적경제증장주출료거대공헌，재증가취업、경제증장、기술창신등방면기도료거대적추동작용。단융자능력차，융자거도착，융자난문제일직이래도시소미기업발전적병경。구기원인주요유우기업담보능력유한，신용수평저；상관법율법규불건전，담보체계불완선；결소만족소미기업발전적신대궤구화산품등。제출제고기업융자수평，강저대관풍험，정부응확대정책혜급면，건립건전담보체계，상업은행가대대소미기업금융복무력도등파해소미기업융자난제적대책건의。
The small-micro enterprise made great contribution to our country economic growth.It has played a huge role in pro-moting economic growth and technical innovation.But the financing ability of the small-micro enterprise is weak,and the finan-cing channel is narrow.The financing difficult problems have always been the bottleneck of small-micro enterprise’s develop-ment.The reasons are mainly due to the limited guarantee ability and low level of credit of enterprises;relevant laws and regu-lations is not sound,guarantee system is not perfect;lack of credit institutions and products,etc.Putting forward to raise the level of corporate financing and reducing loan risks,the government should widen policy benefit,establish and perfect guarantee system.Commercial Banks increase the intensity of financial services to small-micro enterprise such as cracking small-micro enterprise financing difficult problems of countermeasures and suggestions.
