| 中小企业贷款难的成因与对策 |
| |
| 引用本文： | 仲凤香.中小企业贷款难的成因与对策[J].商丘师范学院学报,2004,20(3):115-116. |
| |
| 作者姓名： | 仲凤香 |
| |
| 作者单位： | 中国人民银行郑州培训学院,河南,郑州,450008 |
| |
| 摘 要： | 中小企业贷款难，主要是银行与中小企业的关系存在问题。影响二者关系的主要原因是中小企业信用水平偏低，银企之间信息不对称，担保机构运作不规范及银行对资本市场发展认识不足等。应采取的对策是建立健全中小企业信用体系，完善担保体系，同时商业银行应进一步转变营销观念，建立为中小企业金融服务体系等。
|
| 关 键 词： | 中小企业 商业银行 融资 |
| 文章编号： | 1672-3600(2004)03-0115-02 |
| 修稿时间： | 2004年2月12日 |
Origin Cause and Countermeasure of the Loan's Difficulty in Small and Medium- sized Enterprises |
| |
| ZHONG Feng-xiang.Origin Cause and Countermeasure of the Loan''''s Difficulty in Small and Medium- sized Enterprises[J].Journal of Shangqiu Teachers College,2004,20(3):115-116. |
| |
| Authors: | ZHONG Feng-xiang |
| |
| Abstract: | It is difficult for small and medium-sized enterprises to be provided the loan, mainly for the relation between the bank and small and medium-sized enterprises. The main reason which influences the two relation is: Small and medium-sized enterprises lower credit level; information asymmetry between banks and firms; nonstandard operation of guarantee organization, and the bank have insufficient understanding of capital market development etc The countermeasure that should be adopted is: Setting up and perfecting the credit system of small-l & medium-sized enterprises, perfecting the guarantee system , meanwhile ,the commercial bank should change the marketing idea further, set up the financial service system for small and medium-sized enterprises. |
| |
| Keywords: | Small - and medium-sized enterprises Commercial bank Financing |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
