商业银行解决中小企业融资难问题的探析.doc

商业银行解决中小企业融资难问题的探析 ［安商要］长期以来,屮小企业在就业与经济增长方而做出巨大贡献，但屮小企业所获得的金融 资源却十分匮乏，融资难、特别是通过银行融资难的问题已经成为严重制约我W屮小企业进一 步发展的一大瓶颈。另一方面随着中同金融形势的不断变化,我同商业银行的经营环境也面临 着前所未冇的闷题:金融“脱媒”分流银行融资收入、“利率市场化”不断压缩银行利润空间 以及贷款集屮度趋高不断加大银行信贷风险，这些问题的出现都将对商业银行未来的可持续 发展造成极大的影响。因此,加强中小企业信贷研究,加快贷款结构的调整,加大中小企业信贷 业务的占比，无论是对银行业务的健康发展，还是为帮助屮小企业渡过当前危机,实现中W经 济结构的调整及经济增长方式的转变,都是非常紧迫的一个课题。木文就是在这样的背景卜*进 行商业银行方面解决中小企业融资难的研究。 ［关键字］银行融资金融创新信贷改革中小企业 Commercial banks to solve the problem of financing of SMEs Abstract: Over the years, SMEs has made great contributions to employment and economic growth. However, SMEs have received very scarce financial resources. They are always have problems in financing. Particularly the problem of financing through bank has seriously restricting the further development of SMEs in China. The other hand, China’s financial situation is always changing, the business environment of China’s commercial banks are also facingunprecedented problems: financial disintermediation shunt bank financingincome, ’’the interest rate market continues to compress banks margins and the concentration of loans increasingly high make the credit risk higher.These problems will have a dramatic effect on the future of commercial banks sustainable development. Therefore, strengthening SME credit research, accelerate the adjustment of loan structure, increase the proportion of SME credit business, for both the healthy development of the banking business, orto help SMEs go through the current crisis, or Chinas economic structural adjustment and economic growth pattern, are very pressing issue. This articleis in this undertaken to make study about how to solve the problem of the financing of SMEs by commercial banks. Key word: Bank financing, financial innovation, credit reform, SMEs 目录 一、中小企业融资 TOC \o 1-5 \h \z HYPERLINK \l bookmark5 \o Current Document \h （一） 融资能力分析 1 HYPERLINK \l bookmark9 \o Current Document \h （二） 融资方式 2 HYPERLINK \l bookmark12 \o Current Document \h 二、 我国屮小企业融资现状及成因分析 2 HYPERLINK \l book