浙江省民营科技企业申请金融机构贷款的障碍因素实证分析

Positive analysis of obstacles in applying for loan for private high-tech enterprises in Zhejiang province

浙江省是民营经济大省 ,民营科技企业在浙江省已取得长足的发展 ,但阻碍其民营科技企业进一步发展的许多问题却依然存在 ,亟待解决。其中民营企业的资金供给 ,尤其是申请金融机构贷款的障碍问题就是比较典型的。其中有需求方因素 (企业自身原因 )也有来自供给方的因素 (银行的因素 )。我们应从建立中小企业信用担保体系、组建规范的中小企业抵押贷款制度入手改进目前这种企业和银行两难的局面。

Zhejiang as a major economic province is famous for its numerous well-developed Private High-Tech Enterprises. We should still not ignore the problems which hinder the further development of our private High-Tech Enterprises, among those the supply of funds especially the obstacles exist in loaning from financial institutions is of greatest significance. There are factors from the demander (the enterprises themselves) and the supplier (the banks). We should take actions to change the present dilemma through speeding up the establishment of the credit guaranteeing system and the mortgage loan system for the private enterprises.