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目前小企业对国民经济贡献越来越大,其地位和作用日益突出,不仅成为国家解决社会就业压力的有效途径,也成为当前技术创新和技术进步的重要主体,是推动地方经济活动的主要动力之一。与此同时,小企业的快速发展带动其对金融信贷支持的需求日趋强烈和普遍,但是时下小企业“融资难”依然是小企业普遍面临的难题。本文试图从发展小企业信贷业务的意义出发,从小企业自身、银行、政府三个方面分析影响小企业信贷业务发展的难点和原因,进而提出发展小企业信贷业务的几点建议。
At present, small enterprises are making more and more contributions to the national economy, and their status and role are increasingly prominent. They not only become an effective way for the state to solve the pressure of social employment, but also become the main body of current technological innovation and technological progress and the main driving force for promoting local economic activities one. At the same time, the rapid development of small-scale enterprises has driven their demand for financial and credit support more and more popular. However, the current situation of small-sized enterprises is still difficult for small enterprises. This paper tries to analyze the difficulties and causes that affect the development of credit business in small enterprises from the perspective of developing the credit business of small enterprises, and then puts forward some suggestions on how to develop the credit business of small enterprises.