论文部分内容阅读
中小企业融资困难与中小企业的融资结构以及我国银行业市场结构密切相关。经过三十多年的改革,我国银行业市场主体已出现了多元化格局,但市场集中度仍然较高,国有商业银行依然占据绝对优势地位。以国有商业银行为主体的垄断性市场结构导致信贷资金主要流向大型企业,中小型企业在难以获取银行融资以及其他正常融资渠道匮乏的情况下,只好转向民间借贷。对此,政府应在建立健全相关法律法规的基础上,进行市场结构重组,适度允许民间资本进入银行业,发展为中小企业服务的中小金融机构,同时要加强金融规制,确保金融市场的健康、规范运行。
The financing difficulties of SMEs are closely related to the financing structure of SMEs and the structure of China’s banking market. After more than thirty years of reform, China’s banking market has seen a diversified market. However, market concentration remains high, and state-owned commercial banks still occupy an absolutely dominant position. The monopolistic market structure dominated by state-owned commercial banks led to the flow of credit funds mainly to large enterprises. Small and medium-sized enterprises turned to private lending without access to bank financing and other normal financing channels. In this regard, the government should establish and improve relevant laws and regulations on the basis of the restructuring of the market structure, allowing private capital to moderately enter the banking industry to develop small and medium-sized financial institutions serving SMEs, while strengthening financial regulation to ensure the financial market’s health, Standard operation.