优化中小企业金融信贷营商环境的思考

Optimizing Business Environment on Financial Credit for Small and Medium-Sized Enterprises(SMEs)

中小企业是我国经济增长的重要引擎。当前宏观经济环境稳中有变,企业面临着金融信贷环境差、融资成本高等问题,严重制约了中小企业的发展。广州作为全国营商环境示范城市和改革试点城市,在改善中小企业金融信贷环境方面进行了探索,取得了一定成效。基于广州的经验和影响我国中小企业获得金融信贷的主要因素,提出扩充信贷渠道、建立产融对接制度、优化政府职能等对策。

Small and medium-sized enterprises(SMEs)are important engines for China's economic growth.At present,the macroeconomic environment is stable but adjusting.Enterprises are facing the problems of poor finan.cial credit environment and high financing costs,which seriously restrict the development of SMEs.As a pilot city of business environment reform in China,Guangzhou has made various explorations in improving the financial credit environment of SMEs,and achieved some effects.Based on Guangzhou's experience and the main factors affecting SMEs'access to financial credit,this paper puts forward some countermeasures from the aspects of expanding credit channels,establishing a docking system between industry and finance,and optimizing government functions.