摘要
根据问卷调研和实地访谈结果,发现造成洛阳市中小企业融资难成因主要体现在以银行为主导的金融体制存在"金融歧视",现有金融体系和信贷结构难以适应中小企业融资需求,中小企业生产经营特点与银行贷款期限之间存在矛盾,中小企业自身素质难以适应金融机构信贷要求等方面。洛阳市应通过突出银行主渠道,提高中小企业银行融资份额和融资服务功能;加强对民间融资的监管,促使民间借贷的规范化和阳光化;帮助支持更多的中小企业通过融资租赁、进入资本市场等方式实现多元化融资;进一步加强中小企业信用体系建设,完善中小企业信用评价体系等措施化解中小企业融资难问题,同时中小企业也应积极解决自身的问题,通过企业素质的提升增加融资的"话语权"。
According to the conclusion of the questionnaire survey and interview, the main cause of financing difficulties for SMEs in Luoyang is the financial discrimination of the financial system leading by banks. The current financial system and credit structure could not meet the financing demand of SMEs. The operational nature of SMEs has contradicted with the length of maturity of banks. The quality of SMEs could not meet the credit and loan demand of financial institutions. Luoyang should promote financing share and financing services for SMEs via banks, enhance supervision over non-governmental financing to make it standard and transparent. The government should also help SMEs realize diversified financing by finance lease and entering into capital markets, enhance the credit system establishment,and improve the credit evaluation system. In the mean time, SMEs should solve their own problems in an effort to promote enterprise quality for adding weight to the right of speech in financing.
出处
《商业经济》
2016年第1期90-93,142,共5页
Business & Economy
基金
河南省软科学研究计划项目"中小企业融资方式与服务创新研究"(132400410823)
