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当前我国实体经济发展中遇到的问题中,中小企业融资难是其中的一大难题。这也对各金融机构提出了新的挑战,挑战中存在的机遇也值得我们去发掘。近年来国内银保合作为了支持中小企业,推出了中小企业贷款保证保险这一创新产品,目前已经有大量的金融机构和地区提出积极加入试点的想法。这一创新行为引起了社会的广泛关注,我们又该从哪些方面来分析中小企业融资难的解决方案呢?我们对此进行深入地研究和探讨,旨在发现问题和解决问题。
At present, among the problems encountered in the development of China’s real economy, financing of SMEs is one of the major problems. This also poses new challenges for financial institutions and the opportunities presented in the challenges deserve our exploration. In recent years, in order to support small and medium-sized enterprises, Bank-Bao cooperation has introduced the innovative product of loan guarantee insurance for SMEs. At present, there are a large number of financial institutions and regions that have put forward the idea of actively joining the pilot project. This innovative behavior has aroused widespread concern in society. From which aspects should we analyze the financing solution of SMEs? We conduct in-depth research and discussion to identify problems and solve problems.