饲料行业中小企业融资难的问题、成因及解决对策

The problem,causes,and solutions of financing difficulties for small and medium-sized enterprises in the feed industry

新时期我国饲料行业中小企业依然面临融资难的问题,主要表现为中小饲料企业融资频率高,难以获得商业银行的持续性融资,融资渠道单一且狭窄,融资结构失衡,自有资金少,融资抵押质保较难,商业信用不足,社会融资成本高等。在新时期,要想解决饲料行业中小企业融资难的问题,需要政府、银行和中小饲料企业自身共同努力,中小饲料企业应加强技术创新,完善企业资信建设,商业银行应加强对中小饲料企业融资需求调查,提供相适应的融资产品,政府应落实饲料产业支持政策,构建完善的担保体系。

In the new era,small and medium-sized enterprises in China’s feed industry still face the problem of financing difficulties,mainly manifested as high financing frequency for small and medium-sized feed enterprises,but difficulty in obtaining sustained financing from commercial banks,single and narrow financing channels,imbalanced financing structure,limited self owned funds,difficult financing collateral and quality assurance,insufficient commercial credit,and high social financing costs.In the new era,to solve the problem of financing difficulties for small and medium-sized enterprises in the feed industry,it is necessary for the government,banks,and small and medium-sized feed enterprises to work together.Small and medium-sized feed enterprises should strengthen technological innovation and improve their credit construction.Commercial banks should strengthen investigations into the financing needs of small and medium-sized feed enterprises,provide suitable financing products,and the government should implement feed industry support policies and build a sound guarantee system.