宁波中小企业融资模式与对策思考

Financing in Small and Medium-sized Enterprises in Ningbo and Some Counter-measures

宁波中小企业具有集群化、块状化、市场化以及劳动密集等特点,提供的就业岗位占全市从业人员总量的70%以上,针对中小企业融资难的问题,近年宁波创新了城乡小额贷款保证保险、银企合作、银行专营服务、金融租赁、融资洽谈会等六种融资模式,今后解决融资难问题,关键是抓好善用民间资金、善用征信体系、善于科技创新、善于提升管理、善于金融创新。

Small and medium-sized enterprises in Ningbo is characterized by industry-intensification, labor- intensification, market-orientation, etc. They provide over 70% of employment in the city. To solve their difficulty in financing, the municipal government innovated six ways, such as guarantee and insurance for small-sum loan in urban and rural areas; cooperation between banks and enterprises; special service in banks; financing by tenancy; financing cooperation, etc. The future key to solving the problem lies in the efficient utilization of civil funds and credit system, scientific innovation, enhancement of management as well as financing innovation.