中小企业与金融服务对接的思考

Discussion on Combination of Medium and Small Enterprises with Financial Service

我国商业银行（特别是四大国有商业银行）一直把国有大企业作为主要的服务对象，而与中小企业开展的业务联系较少，中小企业与金融服务长期是脱节的。当前，随着国内外经济形势的变化，国家正逐步重视中小企业，且陆续出台了一系列扶持中小企业的金融政策，为此，本文主要从资金供需双方的角度出发，探讨了中小企业与金融服务实现对接的各种途径和措施。

China's commercial banks, especial four state - owned commercial banks, have taken big state - owned enterprises as main object to serve and have less combination with medium and small enterprises. The service between medium and small enterprises and financial industry is separated. With the change of domestic and foreign economic situation, national administrative departments pay attention to medium and small enterprises and issue a series of financial policies to support medium and small enterprises. Based on the relationship between supply and demand for founds, this paper discusses all kinds of paths and measures to realize the combination between medium and small enterprises and financial service.