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中小企业融资问题是一个困扰中国中小企业多年的难题,严重地影响和制约着企业的健康生存和持续发展。在众多影响企业融资的因素中,利率对于企业融资策略是一个很重要的影响因素。2013年7月,我国全面放开金融机构贷款利率。一旦利率市场化完全实现,中小企业的融资环境和方式都将会发生转变。通过对利率市场化的综述,介绍了中小企业面临的融资现状,分析利率市场化对企业融资的影响,发现需要解决的问题,进一步提出解决问题的途径和建议。
The issue of SME financing is a difficult problem that has plagued SMEs in China for many years, seriously affecting and restricting their healthy existence and sustainable development. Among the many factors that affect corporate finance, interest rate is a very important factor for corporate finance strategy. In July 2013, China liberalized lending rates of financial institutions in an all-round way. Once the marketization of interest rates has been fully realized, the financing environment and ways for SMEs will change. By reviewing the marketization of interest rates, this paper introduces the financing status quo faced by SMEs, analyzes the impact of the marketization of interest rates on the financing of enterprises, finds out the problems to be solved, and proposes ways and suggestions for solving the problems.