用发展的眼光谋求银企共赢——中小企业融资约束分析

Seek Mutual Benefit between Banks and Enterprises from the Angle of Development——Analysis of Circulating Funds'Restraint of Medium and Small-sized Enterprises

中小企业作为推动社会经济的中坚力量,对于支持国家经济增长、解决劳动力就业起着重要的作用。但是,中小企业发展后劲不足、竞争乏力的现象也日益显露,究其根本原因就在于中小企业面临着融资约束的尴尬。银行要用发展的眼光看待中小企业融资问题,主动适应和改变中小企业融资约束困境,谋求银行与中小企业共赢的局面。

As nucleus of propelling social economy, medium and small-sized enterprises has been playing a very important role in supporting national development, solving employment problems of labor force. However, it becomes more and more obvious that those types of enterprises lack of staying power in the process of development and complement. The basic reason lies in circulating funds＇ restraint. Banks should handle this situation from the angle of development, and take the initiative to get them out of this dilemma in order to seek mutual benefit.