论文部分内容阅读
小微企业发展过程中筹集资金的难度一直存在,一方面在于银行信贷苛刻的限制条件,另一方面在于小微企业自身的某些缺陷,造成了银行对小微企业开展信贷的数量较小,规模有限。采取小微企业联合担保形式可以为效益良好的小企业提供了比较充足的资金,大大促进了企业发展;而社区金融的小规模、活机制、少管理层次、低运行成本,适合了小微企业的融资需求。
The difficulty in raising funds for the development of small and micro enterprises has always existed. On the one hand, it is due to the harsh restrictions on bank credit. On the other hand, some shortcomings of small and micro enterprises themselves have led to the fact that the banks have a relatively small number of loans to small and micro enterprises, Limited size. Taking the form of joint guarantee for small and micro enterprises can provide sufficient funds for small enterprises with good benefits and greatly promote the development of enterprises. However, the small-scale, live-based and less-managerial community financing and low operating costs of community finance are suitable for small and micro enterprises The financing needs.