当前企业融资难、融资贵的七大成因（The seven causes of the difficulty of financing and financing of enterprises）.docVIP

当前企业融资难、融资贵的七大成因（The seven causes of the difficulty of financing and financing of enterprises） The seven causes of the current enterprise financing difficult, financing expensive Now companies complain the most is financing difficult, financing expensive, the former means that in any case not get a loan, the latter refers to the loan interest rate is too high. In theory, interest rates reflect the contrast between savings and investment. Both the amount of savings and the amount of investment are the function of interest rate. When other factors are given, the higher the interest rate, the greater the amount of savings and the lower the investment. The balance between the two determines the level of equilibrium interest rates. If the interest rate is too low, there will be a shortfall in savings. This gap will lead to higher interest rates. The rise in interest rates, in turn, leads to increased savings and reduced investment. The process of increasing and decreasing will continue until the savings (amount) = investment (quantity); In a monetary economy, the transfer of the real resources dominance (or ownership) from the savers to the investors is achieved through the transfer of the currencys dominant (or proprietary) power. The transfer of the domination (or ownership) of such a currency is realized by financial institutions such as banks through the sale of financial assets (some kind of agreed agreement or contract establishment). The actual resources provided by savers, which represent a certain amount of money, can be referred to as loanable target, and the interest rates determined by the supply-and-demand relationship of the loan can be consistent with the savings-investment relationship. However, because of the amount of money that can be lent, the amount of money is controlled by monetary authorities. In this way, the amount of money that corresponds to the equivalent of the actual resource transfer can be quite different (because the actual value of the