论文部分内容阅读
目前中小企业在我国经济发展中的地位和作用越来越重要,中小企业已经成为我国社会就业的主要力量,也是我国企业技术创新的新生力量,由于受到国际金融危机,国内宏观调控、人民币升值、成本上升等因素的影响,有相当部分小企业的资金链出现问题,这将会影响企业的发展甚至生存。本文从企业融资渠道切入,分析了小企业融资现状,然后围绕银行的操作进行分析,最后从企业贷款技巧的角度提出建议。
At present, the status and role of small and medium-sized enterprises in China’s economic development are more and more important. Small and medium-sized enterprises (SMEs) have become the major force in social employment in our country and the new force in technological innovation of enterprises in our country. As a result of the international financial crisis, macroeconomic regulation and control, RMB appreciation, Rising costs and other factors, a considerable part of the capital chain of small businesses problems, which will affect the development of enterprises or even survive. This paper analyzes the current situation of financing for small enterprises from the channel of enterprise financing, and then analyzes the operation of banks. Finally, it puts forward suggestions from the perspective of corporate loan skills.