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据银监会上一年度报告显示,2014年第一季度各大商业银行发放的贷款总数超过4.6万亿元,但是借贷给中小企业的款项不超过8000亿元,占全部贷款总金额极少部分,且比上一年度相比还少了约200亿元。可见,中小企业在融资方面所呈现出的困难已“跃然于纸上”。由此,迫切发掘有效的融资手段,不仅关乎中小企业自身发展,更与我国经济平稳发展息息相关。鉴于此,下文将围绕中小企业自身、政府、商业银行、融资大环境等不同方面展开分析,探究我国中小企业融资困难的形成原因及其解决方法。
According to the CBRC’s annual report in the first quarter of 2014, the total loans granted by major commercial banks exceeded 4.6 trillion yuan in the first quarter of 2014, but loans to small and medium-sized enterprises amounted to no more than 800 billion yuan, accounting for a very small portion of the total loans. About 20 billion yuan less than the previous year. Visible, SMEs in the financing presented by the difficulties have been “vividly on paper.” Therefore, urgently exploring effective means of financing is not only related to the development of SMEs themselves, but also to the stable development of China’s economy. In view of this, the following will focus on SMEs themselves, government, commercial banks, the financing environment and other aspects of different aspects of analysis to explore the causes of formation of SME financing difficulties and their solutions.