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在我国现实条件下,小企业融资存在着巨大的困难。本文通过比较借鉴国际银行对小企业融资的先进经验,提出我国银行应该加强对小企业融资信贷产品开发,大力发展地方性中小银行和民营银行,国家应该减少现存银行体系的金融抑制,加大对国有控股银行和股份制银行商业化改革力度以及完善小企业信贷担保体系,通过这些途径来有效解决我国小企业银行融资问题。
Under the reality of our country, there are enormous difficulties in financing small businesses. By comparing the advanced experiences of international banks in financing small-scale enterprises, this paper puts forward that our country’s banks should strengthen the development of financing and credit products for small-scale enterprises, vigorously develop local small and medium-sized banks and private banks, and the state should reduce the financial restraints of the existing banking system, The reform of the commercialization of state-controlled banks and joint-stock banks and the improvement of the credit guarantee system for small enterprises will effectively solve the financing problem of China’s small business banks through these channels.