我国小微企业贷款困境及对策思考

Loan Difficulties of China′s Small & Micro-Enterprises and the Countermeasures

小微企业作为我国市场经济的重要组成部分,也是经济生活中最活跃、最具有生机的力量。由于自身规模较小、收益不稳定、抗风险能力弱、贷款违约率高、缺乏合格抵押品等特征使得小微企业很难获得银行信贷资金的青睐和支持,制约了其又快又好的可持续发展。为此,应当鼓励银行提供小微金融服务、建立更多专门服务于小微企业的中小金融机构、引进国外先进信贷技术及提高小微企业自身实力,帮助小微企业突破融资难瓶颈。

As the most active, powerful and dynamic bodies in the economy, small and micro - enterprises play an important part in China＇s market economy. Due to their smaller scale, income instability, weak anti -risk capability, high loan default rate, lack of eligible collateral and other characteristics, these small and micro - enterprises find it rather difficult to obtain sup- port of bank credits, which to a great extent restricts a faster and better sustainable development. Thus, it is expected that the bank will provide small and medium - sized financial supports, with more specialized services, for the small and micro - enter- prises. Moreover, foreign advanced credit technology is also an important approach for the small and micro -enterprises to come through financing difficulties.