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近年来,融资难问题一直困扰着中小企业的创业与发展。为了从根本上解决这个问题,政府和中国人民银行已经出台了一系列支持中小企业发展的金融措施。在目前的经济和政策环境下,中小企业可以通过以下几种渠道获得资金。 1.直接从银行获得贷款。银行仍然是我国企业获得资金的重要渠道。由于自身固有的特点,中小企业对贷款的需求往往具有“要得急、频率高、数量少、风险大且管理成本高”的特点。针对上述特殊性,各商业银行也出台了一些措施,如以工商银行为首的国有商业银行设立中小企业贷款部。为了平衡给中小企业贷款时面临的高风险,通常各银行对中小企业的贷款利率有一定的浮动,利率上浮范围可扩大至20%。这些措施在一定程度上缓解了中小企业融资难的问题。 2.信用担保融资。信用担保介于银行与企业之间,是一种信誉证明和资产责任保证结合在
In recent years, the problem of financing has been plaguing the entrepreneurship and development of SMEs. In order to fundamentally solve this problem, the government and the People’s Bank of China have issued a series of financial measures to support the development of SMEs. In the current economic and policy environment, SMEs can obtain funds through the following channels. 1. Obtain loans directly from the bank. Banks are still an important channel for Chinese enterprises to obtain funds. Due to its inherent characteristics, the demand for loans by SMEs tends to have the characteristics of “requiring urgency, high frequency, low number, high risk and high management cost”. In view of the above-mentioned particularities, various commercial banks have also introduced some measures, such as the establishment of the SME Loan Department by state-owned commercial banks headed by ICBC. In order to balance the high risks faced by lending to SMEs, it is common for banks to have a certain amount of floating interest rates for SMEs, and the interest rate increase can be extended to 20%. These measures have alleviated the difficulty of financing for SMEs to some extent. 2. Credit guarantee financing. The credit guarantee is between the bank and the company. It is a combination of credit proof and asset liability guarantee.