中小企业贷款中的信贷配给现象及对策研究

Study on the Phenomenon of Credit Ration of Small and Medium-sized Enterprises' Loans and the Countermeasures

许多有项目有盈利的企业由于难以融到必要的资金而不能最大规模地发挥其能力,这已经成为制约中小企业进一步发展的重要"瓶颈"。本文将在对当代微观经济学信贷配给理论进行综述的基础上,就信贷市场上的中小企业信贷配给形成的原因进行理论和实证分析,并在此基础上提出解决我国中小企业信贷难问题的对策建议。

Many enterprises that have projects and eam profits can not bring their functions into full play because of being unable to borrow necessary money from banks, which has become a major ＂bottleneck＂ restraining their further development. This paper, based on a review of credit ration theory of contemporary micro-economics, presents theoretical and empirical analyses on causes of small and medium-sized enterprise＇s credit ration in credit market, and then proposes some suggestions for smoothing away the enterprises＇ financing difficulties.