以社会信用体系建设为突破口解决中小企业贷款难——以江苏银行连云港分行为例

Solving the Difficulty of Obtaining Loans for SMEs by Establishing the Social Credit System as a Breakthrough——Taking Lianyungang Branch of Jiangsu Bank as an Example

中小企业贷款难是客观现实。由于中小企业规模小、资产少,信贷风险大,而商业银行根据经营基本规则,控制风险,实现利润最大化也无可非议。要解决这一矛盾,除了不断提高中小企业经营质量外,还必须通过社会信用体系的建设,一方面提高中小企业的信用,增强银行的信贷投放信心,另一方面有效转移、化解、分散银行的信贷风险,从而消除银行的后顾之忧。

That it is very difficult for SMEs to obtain loans is an objective reality.The reasons are as follows： on the one hand,these enterprises are small with few assets,so the credit risk is big;on the other hand,it is quite reasonable for commercial banks to control risks so as to maximize profits by adhering to the basic management rules.In order to solve the contradiction,it is crucial to enhance management quality and establish social credit system so as to improve SMEs＇ credit and boost banks＇ confidence in giving loans,and to transfer,reduce and disperse loan risks and remove banks＇ worry.