摘要
从中小企业的信贷资金需求及其特点入手,系统分析了我国中小企业难以获得信贷融资的两方面原因为中小企业自身存在的问题和商业银行的两难选择;提出通过加大中小企业内部改革,同时鼓励商业银行进行制度创新和业务创新,可以改善和提高中小企业的信贷融资环境。
Starting from small and medium-sized enterprises＇ （SMEs） requirements and features of credit capital, this thesis systematically analyzes the two reasons for SMEs＇ difficulty in getting credit loans and finaneing：SMEs＇ internal problems and commercial banks＇ dilemma. The author suggests that SMEs should further their internal reform and encourage commercial banks to carry out system and operation innovation in order to improve SMEs＇ environment of credit loans and financing.
出处
《科技与管理》
CSSCI
2008年第4期58-60,64,共4页
Science-Technology and Management
基金
华南师范大学南海校区2007年度重点科研项目(N07Z0007)
关键词
中小企业(SMEs)
信贷融资
商业银行
small and medium-sized enterprises （SMEs）
credit loans and financing
commercial banks
