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2015年,中国人民银行宣布放开对商业银行和农村合作金融机构的存款浮动上限的限制。这一决定不仅对商业银行的资产负债结构,盈利模式产生巨大的冲击,而且也影响了企业的筹资环境和企业将来的行为。本文从背景的转变,中小企业的融资现状出发,分析新形势下中小企业面临的问题,并提供切实的思路以帮助中小企业抓住本次金融机遇,迎接利率市场化带来的挑战,使企业在改革浪潮中乘风前行。
In 2015, the People’s Bank of China announced that it should liberalize the cap on floating deposits of commercial banks and rural cooperative financial institutions. This decision not only has a huge impact on the asset and liability structure and profit model of commercial banks, but also affects the financing environment of enterprises and the future behavior of enterprises. Based on the change of background and the financing status of SMEs, this article analyzes the problems facing SMEs in the new situation and provides practical ideas to help SMEs seize this financial opportunity to meet the challenges posed by marketization of interest rates so that enterprises Take the lead in the wave of reform.