中小企业贷款难的成因与对策

Origin Cause and Countermeasure of the Loan's Difficulty in Small and Medium-sized Enterprises

中小企业贷款难,主要是银行与中小企业的关系存在问题。影响二者关系的主要原因是中小企业信用水平偏低,银企之间信息不对称,担保机构运作不规范及银行对资本市场发展认识不足等。应采取的对策是建立健全中小企业信用体系,完善担保体系,同时商业银行应进一步转变营销观念,建立为中小企业金融服务体系等。

It is difficult for small and medium-sized enterprises to be provided the loan, mainly for the relation between the bank and small and medium-sized enterprises. The main reason which influences the two relation is: Small and medium-sized enterprises lower credit level; information asymmetry between banks and firms; nonstandard operation of guarantee organization, and the bank have insufficient understanding of capital market development etc The countermeasure that should be adopted is: Setting up and perfecting the credit system of small-l & medium-sized enterprises, perfecting the guarantee system , meanwhile ,the commercial bank should change the marketing idea further, set up the financial service system for small and medium-sized enterprises.