中小企业贷款的银行监管政策研究

Banking Regulatory Policy Research for SMES Loans

中小企业贷款获取难的原因主要是大型商业银行没有足够的支持动力,以及中小型商业银行对中小企业贷款支持的力度有限。支持中小企业贷款,银行监管方面应从三个方面着手:优先安排对中小企业贷款,为中小企业贷款制订差异化监管政策体系,采取贷款税收优惠措施。

The most difficult reasons of the SMEs getting loans mainly due to the large commercial banks which do not have enough supports power for SMES loans,as well as limited supports of small and medium-sized commercial banks to SMEs loans.Three aspects should be adopted as supporting SMEs lending,that is： arranging priority loans to SMEs,and making differentiated loans regulatory policy systems for SMEs,taking loans tax preferential measures as well.