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本文涉及内容主要通过分析中国目前中小企业和银行在融资问题上存在矛盾的原因,为中小企业融资和银行信贷达到预期的平衡提出了一些解决方案。我国的中小企业发展迅速,对资金的需求增加,但目前中小企业面临着从银行得到的资金融通困难,国家对银行投资的控制,银行加强信贷风险管理等一些现实情况,从而使得中小企业融资和银行信贷之间出现了失衡。通过分析,我们发现问题出现的主要原因在于资金供给的减少,银行和企业信贷成本的增加,及信息不对称和大型商业银行组织结构设置不合理。由此,本文提出了银行在产品开发、业务推销、企业制度等方面的建议,同时认为应该建立有利于中小企业融资的制度和渠道。
The main content of this paper is to analyze the existing contradictions between SMEs and banks in financing in China and propose some solutions to the expected balance between SME financing and bank credit. SMEs in our country are developing rapidly and the demand for funds is increasing. However, at present, SMEs are faced with the difficulties in obtaining financing from the banks, the state’s control over the investment in banks, and the bank’s credit risk management. As a result, the SME financing and There has been an imbalance between bank credit. Through the analysis, we find that the main reasons for the problems are the decrease of capital supply, the increase of credit costs of banks and enterprises, the asymmetric information and the unreasonable organizational structure of large commercial banks. Therefore, this paper puts forward some suggestions of banks in product development, business marketing and enterprise system, at the same time, it thinks that it is necessary to set up a system and channel which is conducive to the financing of SMEs.