我国中小企业贷款难的原因及其对策

Reasons and Countermeasures of China's small and Medium-sized Enterprise Loan

中小企业已成为我国国民经济的重要组成部分,在我国现有的金融环境下,商业银行依然是中小企业获取资金的主要途径。本文根据我国中小企业贷款的现状,分析了中小企业贷款难的原因,并根据国外解决中小企业贷款的经验和启示,提出了几点针对性建议。

SMEs have become an important part of our national economy, in the current financial envi-ronment, the commercial bank is still the main way of small and medium--sized enterprises to obtainfunds. According to the present situation of our country small and medium--sized enterprise loan, ana-lyzed the reason of the SME loan difficult, and according to the experience and enlightenment of foreignsolves the small and medium--sized enterprise loan, and puts forward some suggestions.