微型企业信贷融资问题与对策

Problems and Measures in Credit Finance of Micro-enterprises

微型企业为我国经济发展作出了突出贡献,但融资难却成为制约微型企业发展的最大障碍。本文总结了我国微型企业信贷融资概况以及存在的问题,在此基础上,分别从政府与监管部门、银行和微型企业自身角度提出了解决我国微型企业融资问题的主要途径,最后对"微贷款"这一信贷模式进行分析,得出"微贷款"是解决微型企业信贷融资困境的有效实践。

Micro-enterprises have made a prominent contribution to the development of Chinese economy, but the difficulty in Financing becomes the greatest obstacle restricting the development of micro-enterprises. On the basis of summarizing the general situation and problems of Credit Finance of micro-enterprises, the paper brings forward solutions on the aspects of the government and regulatory authority. the bank and Micro-enterprises themselves. The close part of the paper analyzes the ＂micro-loans＂ and concludes that the ＂micro-loan＂ is an effective practice of solving the problems in credit finance of micro-enterprises.