县域中小企业信贷约束研究——以浙江桐乡市为例

Loan Restricts of County Small and Medium Enterprises:Taking Tongxiang(Zhejiang Province) as An Example

对浙江桐乡的中小企业信贷融资情况进行统计分析,可发现:中小企业存在信用缺失、产权障碍、财务管理水平低下等内生障碍;另外还存在制度供给不足、直接融资体系不成熟等外生障碍,它们是阻碍中小企业顺利进行信贷融资的主要原因。中小企业融资难的问题可以通过完善相关法律法规、健全信用担保制度、鼓励和引导中小企业直接融资以及发展小额贷款公司等措施来有效解决。

It made a statistic analysis for S＆M enterprises in Tongxiang in Zhejiang province from enterprises scale and enterprises age perspectives. They have difficulty in financial institution credit not only because of endogenous obstacles ： credit loss, obstacle in property right, poor management in finance, etc ; but because of exogenous obstacles： shortage in financial supply, imperfect direct investment system, etc. The government can help them to solve the financial credit problem by means of completion of interrelated laws, improvement of warranty system, encouragement of direct investment for S＆M enterprises, encouragement of small loan company.