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中小企业作为市场经济重要的参与主体,在活跃经济、丰富市场成分以及完善社会架构方面,都贡献了十分重要的力量。尤其是随着我国市场经济发展的不断健全,中小企业的发展速度也获得进一步提升,不论是产品服务的提供,还是税金的缴纳,中小企业都从不同角度服务于我国的经济体系。而另一层面,融资额度及渠道则是限制中小企业发展壮大的重要因素,一直以来偏重于大企业的外源融资模式,使得小企业的融资和发展每每陷入瓶颈状态。随着资本市场的发展完善,各界也在积极探索中小企业融资的方便与可行性,贷款证券化则顺应时代成为了一种值得青睐的选择,其对银行、对中小企业,都从不同角度发挥了关键作用。但是,相伴而生的风险及对策探讨,也更值得关注。
As an important participant in the market economy, small and medium-sized enterprises have contributed a great deal to the active economy, enriching the market composition and improving the social structure. In particular, with the continuous improvement of the market economy in our country, the growth speed of SMEs has also been further enhanced. Both the provision of product services and the payment of taxes have helped SMEs serve our country's economy from different perspectives. On the other hand, financing quotas and channels are important factors that limit the growth of small and medium-sized enterprises and have always been focusing on the external financing of large enterprises. As a result, the financing and development of small enterprises are often bottlenecked. With the development of the capital market, all walks of life are also actively exploring the convenience and feasibility of financing for SMEs. Loan securitization, on the other hand, has become a worthy choice in response to the times. It has played a different role in banks and in small and medium-sized enterprises The key role. However, the accompanying risks and countermeasures, but also more worthy of attention.