论文部分内容阅读
目前我国中小企业迅速增长,已成为拉动国民经济的新的增长点,成为吸纳就业和再就业的“蓄水池”。资金匮乏是制约中小企业经济发展长期而普遍的“瓶颈”。由于历史和现实仍致体制等诸多原因,中小企业经济发展滞后,融资渠道单一,发展后劲不足,致使以此为支撑的金融业发展乏力,出现贷款难与难贷款。本文通过对寻甸县的个案调查,从经济、政府、企业和银行等方面对当前中小企业发展中存在的“贷款难”和银行“难贷款”的原因进行了分析,提出了解决“两难”问题的对策和建议。
At present, the rapid growth of small and medium-sized enterprises in our country has become a new growth point that drives the national economy and has become the “reservoir” for absorbing employment and reemployment. Shortage of funds is the “bottleneck” that restricts the economic development of SMEs for a long time. Due to historical and realistic reasons, the economic development of SMEs has lagged behind, with a single financing channel and insufficient development potential, resulting in the sluggish financial industry supported by this and the emergence of hard-to-lend loans. Based on the case studies of Xundian County, this paper analyzes the reasons for the current “difficulties in lending” and “difficult loans” in the development of small and medium-sized enterprises from the aspects of economy, government, enterprises and banks, Solve “dilemma ” the problem countermeasure and suggestion.