当前,中国经济增长放缓,银行业对小企业愈加惜贷。由于小企业大多处在产业链的最末端,抗风险能力差,企业的生产和经营很容易受到经济波动的影响。一旦经济环境不理想,小企业就开始资金链紧张,企业的还款能力下降,进而导致银行不良贷款上升。可以说,当下研究美国银行业支持小企业的环境及经验,具有特别意义。 At present, the economic growth in China is slowing down and the banking sector is even more fond of loans to small businesses. Since most small businesses are at the very end of the industrial chain, their anti-risk capabilities are poor and the production and operation of enterprises are easily affected by economic fluctuations. Once the economic environment is not ideal, small businesses began to strain the capital chain, corporate repayment ability decline, which led to rising bank non-performing loans. It can be said that it is of special significance to study now the environment and experience of the U.S. banking industry in supporting small businesses.