中小企业信贷市场进入约束与风险控制

The SMEs Credit Market Access Constraints and Risk Control

中小企业融资难是一个世界性课题,而在不发达的边远地区中小企业要得到融资则更难。当前中小企业信贷市场进入存在诸多约束与风险。要化解与控制这些约束与风险,须从企业自身、商业银行及整个社会金融生态环境等方面多管齐下,才能有效化解中小企业信贷风险。

The difficulties in SMEs finance is a global issue. It is more difficult for SMEs to obtain financing in the remote and under developing areas. The case of Huaihua city analysis found that there are still many credit risks in the current credit market .In order to effectively manage it＇ s credit risk, the SMEs itself and the commercial banks and financial ecological environment should be reformed together.