利率市场化对中小企业融资的影响及对策

Impact of Interest Rate Marketization on Financing of Small and Medium-Sized Enterprises and Countermeasures

中小企业是我国经济的重要组成部分,在改善民生、促进就业方面发挥着重要的作用。但是中小企业的发展受到种种限制,尤其是在融资方面。最近,央行实施了利率市场化调控措施,全面放开了金融贷款利率管制,这一政策对处于融资困境的中小企业带来了一定的影响。本文首先分析中小企业在经济中的重要地位,然后阐述中小企业的融资现状,紧接着,分析了利率市场化对中小企业的影响,最后提出在利率市场化下中小企业应如何应对和利用好这一发展契机来为自己谋福利。

As an important part of Chinese national economy, small and medium-sized enterprises have helped improve people＇s livelihood, employment, etc. However, the development of small and medium-sized enterprises is limited, especially the financing problem. Recently, the central bank has carried out the interest rate marketization measures, opening the financial loan interest rate control. The small and medium-sized enterprises get a chance from the policy.At first, the paper analyses the current economic role of small and medium-sized enterprises; secondly, the present financing situation of the small and medium-sized enterprise is revealed; thirdly, this paper analyzes the influence of interest rate marketization for small and medium-sized enterprises; finally, this paper proposes how the small and medium-sized enterprises should deal with and make good use of this development opportunity under the marketization of interest rate.