浅析吉林省小微企业融资问题的若干症结

Preliminary Analysis of the Problems in Financing in Small and Micro Enterprises of Jilin Province

2015年吉林省全民创业活动空前高涨,在地方政府和金融机构的共同努力下小微金融产品层出不穷。然而,小微企业在银行融资与非银行融资面前,不得不选择非银行融资,承担高额的融资成本。本文在对吉林省内小微企业及主要商业银行信贷部门进行一线调研的基础上,总结了银行对小微企业的贷款风险评价,分析了吉林省小微企业融资在银行总体贷款业务中比例低于经济发达省份的原因,并提出了解决小微企业融资问题对策。

The national entrepreneurship activity is unprecedented in 2015 in Jilin Province. With the joint efforts of local government and financial institutions,many small and micro financial products emerged.However,small and micro enterprises had to choose non-bank financing,rather than the bank financing,bearing the high cost. Based on the research of the Credit Department of small and micro enterprises and major commercial banks in Jilin Province,this paper summarizes the loan risk assessment of small and micro enterprises,analyzes the reasons of the low proportion of small and micro enterprises financing in Jilin Province,and puts forward countermeasures to solve the problems.