稳健货币政策推动中小企业信贷状况改善——基于辽宁省的抽样调查

Prudent monetary policy improves credit conditions for SMEs----A sample survey in Liaoning province

2011年我国实施稳健的货币政策,银行信贷规模收紧,信贷结构调整力度加大,信贷投放向中小企业倾斜,金融服务水平明显改善。抽样调查显示,辽宁省中小企业获取银行信贷总量持续增加,融资以银行短期信贷为主,融资成本呈下降走势。目前仍存在一些制约中小企业融资的因素,需要大力拓展中小企业直接融资渠道,积极实施金融创新,提高中小企业融资效率。

In 2011,China implements prudent monetary policy,bank credits scale is tightened,efforts on the adjustment of credit structure are increased,more credits are supplied to SMEs and financial services are improved significantly.The sample survey shows that the total amount of bank credits to SMEs in Liaoning province continues to increase with more short-term financing and financing costs are on a downward trend.At present,there are still some factors restricting SMEs financing.Therefore,more efforts should be made to expand direct financing channels for SMEs,financial innovation be actively made and financing efficiency be improved for SMEs.