还贷能力信任与农村中小企业融资难题

Doubtful Confidence in Repayment Capacity and Credit Difficulty of Small and Middle-Sized Enterprises (SMEs)

虽然可能有多种因素诱发农村中小企业的融资难问题,但金融机构对农村中小企业的还贷能力缺乏信任无疑是症结。金融机构对农村中小企业的融资信任障碍主要表现为所有制偏好、规模歧视、贷款发放困境和抵押贷款担保物难落实等。解决农村中小企业的融资难问题,必须抓住还贷能力信任这个关键,从金融机构、农村中小企业、中央和地方政府以及融资环境等方面努力开展工作,包括改革金融机构组织制度、提高企业还贷能力、改善政府功能和优化融资环境等。

The bank credit seems to be inaccessible to the rural SMEs, because the banks are not confident in their capability of repayment. As a rule, the SMEs lack records of their credentials, which becomes a crux, which prevents them from getting help of the financial institutions. To solve this problem, it is essential for the banks and rural SMEs establish new relations, and the central and local administrations to rectify unnecessary rules