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近年,“中小企业贷款难”的呼声不绝于耳,并且往往把责任归咎于银行“嫌贫爱富”、“惜贷”。那么,事实究竟是怎样的呢?最近,我们就此对山西省40个县中小企业贷款的现状进行了调查,对这一问题有了一个比较客观的、切合实际的答案。 截至2001年9月底,这40个县的中小企业共完成增加值108.47亿元,实现利润2.74亿元。各项贷款余额33.01亿元。 从被调查企业问卷和被调查金融机构的
In recent years, there have been many voices of “difficulty in lending SMEs” and they often blame banks for “being poor and rich” and “looting loans.” So, what is the truth? Recently, we investigated the current situation of SME loans in 40 counties of Shanxi Province, and gave an objective and realistic answer to this question. By the end of September 2001, SMEs in 40 counties had completed a total added value of 10.847 billion yuan and a profit of 274 million yuan. The loan balance of 3.301 billion yuan. Questionnaire from surveyed enterprises and surveyed financial institutions