中小微企业融资问题研究——基于江西省109家制造业中小微企业的样本调查

The Research on Financing Problem of the MSMEs:Survey of 109 MSMEs in Manufacturing Industry

为掌握中小微企业的融资真实状况,近期我们对109户江西省制造业中小微企业开展了抽样调查,发现近七成企业不同程度反映贷款难,但这些企业实际获得较多贷款。当前中小微企业贷款难主要是由于不符合有效信贷需求标准和缺乏风险覆盖条件造成的银行"贷款难"。调查显示,有58.7%的样本企业的信贷需求不属于有效信贷需求;缺乏有效抵押物和融资担保导致企业难以提供风险覆盖措施是影响中小微企业融资的主要问题。因此,解决中小微企业融资问题着力点应适当向需求端倾斜。

In order to master the financing situation of the micro, small and medium- sized enterprises （MSMEs）, we conducted a sample survey of 109 MSMEs in JiangXi province＇s manufacturing industry, and found that nearly 70% of the enterprises reflected the difficulty of lending, despite the enterprises get more loans. The reason might be that enterprises do not meet the requirements of effective credit demand and lack of risk coverage. The survey showed that the credit demand of 58.7% of the sample enterprises did not belong to the effective credit demand. The main problems of financing for MSMEs was that the enterprises lack of effective mortgages and guarantees. Therefore, to reduce credit constraint of MSMEs, we need to make efforts in the aspect of demand.