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小微企业贷款难问题是当前社会关注和亟待解决的重要问题,小微企业贷款难的主要原因在于其还款难,解决了小微企业还款难的问题就相当于解决了小微企业贷款难问题。小微企业还款难的主要因素可以概括为信用、能力、政策三方面。根据小微企业还款难的主要因素建立包括信用、能力、政策三个方面(维度)的三元结构模型,并把小微企业分为8种模式类型,如果将政策维度固定后,可以将小微企业分为4种模式类型。由于4类不同模式的小微企业还款情况、还款能力、还款意愿不同,导致其获得银行贷款的能力和机会也存在差异。由于贷款是去路,还款是回路,对不同模式的小微企业制定差异化策略和政策,精准施策解决其还款难问题,就能解决小微企业贷款难问题。本文的研究,对于研究和解决小微企业贷款难具有现实意义和借鉴意义。
The problem of small and micro enterprise loans is the current social concern and an important issue to be solved urgently. The main reason for the difficulty of small and micro enterprise loans is that it is difficult to repay the loans. The problem of repaying small and micro enterprises is solved, which is equivalent to solving the problem of small and micro enterprise loans Hard problem. The main factors that make the repayment of small and micro enterprises difficult can be summed up as credit, ability and policy. According to the main factors that make it difficult for small and micro enterprises to repay loans, a ternary structure model including three aspects (dimensions) of credit, capacity and policy is established, and the small and micro enterprises are classified into eight types of modes. If the policy dimension is fixed, Small and micro enterprises are divided into four types of patterns. Due to the fact that the repayment ability, repayment ability and willingness of repayment of small and micro enterprises in 4 different modes are different, their ability and chance of obtaining bank loans are also different. As loans are on the way and repayments are loops, it is difficult to formulate differentiated strategies and policies for small and micro enterprises in different modes and to make precise measures to solve their difficult repayment problems. The research of this article has practical significance and reference significance for studying and solving the loan difficulty of small and micro enterprises.