浅谈小企业融资难的突出表现及原因分析.docVIP

浅谈小企业融资难的突出表现及原因分析 Discuss the outstanding performance of the small business financing and reason analysis 小企业融资渠道过于狭窄，主要依赖银行贷款。企业的融资渠道归根到底只有两个，即内源融资和外源融资，小企业一般处于初创期和成长期，内源融资远远满足不了企业发展的需要。外源融资分为权益融资和债务融资。权益融资是指企业得到新的资本金的注入，可能是原有股东的资金注入，也可能是新股东的资金注入，增加了资本金总额；债务融资，是指企业通过债务债权关系的建立，达到资金使用目的的融资方式，包括债券融资、银行贷款和企业间债务等。对于小企业而言，银行贷款是其主要的融资方式。据中国人民银行的一项调查显示，我国中小企业融资供应的98. 7qo来自银行贷款 Small business financing channel is too narrow, mainly rely on bank loans. Enterprise financing channels in the final analysis there are only two, namely the internal financing and external financing, and small businesses, generally in the initial growth, endogenous financing far cannot satisfy the needs of enterprise development. Exogenous financing can be divided into equity financing and debt financing. Equity financing is refers to the enterprise new capital injection, may be the original shareholders money, also may be a new shareholders capital injection, to increase the total amount of capital; Debt financing refers to the establishment of the enterprise through the relationship of creditors rights debt, reached the purpose of financing funds, including bond financing, bank loans and corporate debt, etc. Bank loans for small businesses is the main way of financing. According to a survey of the peoples bank of China, the supply of small and medium-sized enterprises financing in China 98. 7 qo from bank loans 小企业贷款覆盖率低，占银行贷款总额的比重小。2008年中国人民银行对8000多家民营工业企业和近3000家金融机构的调查结果表明，截止2008年5月末，全国中小企业贷款覆盖率为18.7%[2]，而小企业的贷款覆盖率更加有限。中国人民银行统计结果表明，数量众多的小企业只能得到银行贷款总额的20%多。 Small business loans low coverage, small proportion of total bank loans. The peoples bank of China in 2008 to more than 8000 private industrial enterprises and nearly 3000 financial institutions, according to a survey of 2008 at the end of may, the national small and medium-sized enterprise loan coverage of 18.7% [2], and small business loan coverage is more limited. Statistical results show that the peoples bank of China, the number of sma