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中小企业处于业务迅速扩张的成长时期,需大量资金支撑其快速发展。由于没有资产作抵押、没有信用记录、财务信息披露不充分,银行出于对风险的考虑对其实行不贷或惜贷;结果银行资金闲置、成本上升,中小企业得不到急需的资金,严重制约其发展。本文从浙江艾尔柯环境设备有限公司的案例出发,对此模式在实践中表现出来的社会效益、价值及问题进行初步探讨、分析,以期对其推广有所益处。
Small and medium-sized enterprises are in a period of rapid business expansion and need a lot of money to support their rapid development. Due to lack of assets as collateral, no credit history and inadequate disclosure of financial information, banks are not lenient or reluctant to lend to them due to their risk considerations. As a result, their funds are idle and their costs rise. SMEs can not obtain much needed funds and are seriously Restricting its development. Based on the case of Zhejiang Elco Environmental Equipment Co., Ltd., this paper conducts a preliminary study and analysis of the social benefits, values and problems that this model shows in practice so as to be beneficial to its promotion.