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Small and medium-sized enterprises in the national economy plays an important role, in recent years due to the rising prices of raw materials, labor costs increase, bank credit tightening and other factors, the market competition is aggravated day by day, the development of small and medium-sized enterprises are faced with many difficulties. Especially in small civilian battalion enterprise is to rely on individual capital investment to complete the primitive accumulation of capital, when the enterprise develops to a certain scale, especially from labor-intensive to technology-intensive transition, internal financing is very difficult for enterprises to meet the demand for investment, the demand on external capital is more and more urgent. But as a result of the country financial policy limits and people’s traditional idea manacle, as well as the problems existed in small enterprises, small and medium enterprises financing channels relatively narrow, the shortage of funds has become a bottleneck restricting the development of small and medium-sized enterprises the main bottleneck. Small and medium-sized enterprises of financial resources in their national economic and social development in the status and role is extremely unworthily. Small and medium enterprise loan risk is big, cost tall, benefit is low, financial institutions are usually reluctant to grant loans to small and medium-sized enterprises, in order to solve this problem, need the government, enterprises, financial institutions three parties to. This article through the analysis current our country small and medium-sized enterprise credit financing present situation, from the loan interest rate pricing theory, combinative our country is actual, from business, government, banks are discussed in three aspects of small and medium-sized enterprises’ credit financing to the root causes, and then puts forward countermeasures and suggestions. The innovation of this paper is from the practical point of view, analyzes how to further improve the bank’s credit management system, improve the incentive and restraint mechanisms, innovative credit products, in order to better solve the problem of financing small and medium enterprises credit.
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