摘要
通过调查问卷形式调查了福建农村中小企业借贷与融资需求状况,得出了福建农村中小企业存在正规信贷融资约束的结论,剖析了其产生约束的原因,包括企业自身原因、商业银行信贷管理体制、商业银行经营理念、现行的贷款管理方法、农村中小企业征信体系远未健全、政策性担保体系尚未普遍建立等原因,并从企业、银行、金融生态环境三个方面提出相应的对策。
This paper focus on the credit restraint of the formal credit supply of Fujian rural small and medium- sized enterprise on the basis of looking into condition of supply and demands of finance of Fujian rural small and medium - sized enterprise, analyzes the reasons of the credit restraint of formal supply such as ： enterprise own reason, the commercial bank credit management system, the manage idea of the commercial bank, the present method of loan manage, the system far perfect, the policy-type guarantee countryside small and medium-sized enterprise collecting credit system not yet generally has established and so on, finally this paper gives some relevant measures from enterprise, bank, financial ecological circumstance.
出处
《中国农学通报》
CSCD
北大核心
2009年第18期471-477,共7页
Chinese Agricultural Science Bulletin
关键词
农村中小企业
正规信贷约束
信贷管理制度
金融生态环境
rural small and medium - sized enterprise, formal supply of credit restraint, credit management system, financial ecological circumstance
