金融产品的有效运用与破解小企业融资难——基于信用贷款与《征信业管理条例》视角

The Effective Use of Financial Products and the Solution to Financing Difficulties for Small Enterprises——Based on the Perspective of Credit Loan and Regulations of the People's Republic of China on Administration of Credit Reference Industry

小企业融资难是一个不争的事实,如何破解也是一个值得研究的问题。其中政府的积极作用被市场一致认同,其在政策层面、资金层面都可以采取措施,但都无法根本解决问题。《征信业管理条例》的颁布,从制度层面推动了小企业融资难问题的解决。从破解小企业融资难的金融产品——信用贷款出发,论证在制度不断完善的前提下发展信用贷款,可以从根本上改善小企业融资环境,有效缓解小企业融资难问题。

The financing difficulty for small enterprises is an indisputable fact, and the solution to the problem is an issue worthy of study. The active role from the government side has become a market consensus, and the government can take measures at the policy level and funding level, but the problem can not be fundamentally solved. The recently promulgated Regulations of the People＇s Republic of China on Administration of Credit Reference Industry helps solve the financing difficulty for small enterprises at the institutional level. Commencing from credit loan, which is a product to solve the financing difficulty for SMEs, the paper argues that under the circumstance of increasingly established institutions, development of credit loans can fundamentally improve SME financing environment, and effectively alleviate the financing difficulty.