小微企业融资难问题之对策

The countermeasure to the problems of financing difficult to the small and micro enterprise

小微企业是我国国民经济和社会发展的重要组成部分,是经济发展和社会稳定的支柱,关系中国经济平稳增长大局。随着金融脱媒效应的影响,呈现信贷业务零售化的趋势,大型客户逐步脱离信贷依赖,小微企业在银行信贷业务中的重要性逐步显现和提升。但"融资难、难融资"已经成为我国小微企业发展的最大制约瓶颈,在国际金融危机的背景下,这一矛盾更加突出,已受到社会各界的普遍关注。

Small and micro businesses is an important part of our national economy and social development, is the mainstay of economic development and social stability,the relationship between China steady economic growth situation.With the influence of financial disintermediation effect, showing the trend of retail credit business, large customers gradually from the credit dependence, the importance of Small and micro businesses in the bank credit business gradually emerging and promotion.But ＂financing,financing difficult＂ has become China＇s largest Small and micro businesses development bottleneck, in the context of the international financial crisis, this contradiction is more prominent, which has aroused extensive attention.