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中小企业融资难是一个世界性难题,特别是在企业融资严重依赖银行信贷的外源性融资环境下,该问题尤为突出。我国为缓解中小企业融资难问题,先后出台一系列法律法规和监管政策,引导银行信贷投向,优化信贷资金结构配置,加大对中小企业的有效支持。但银行作为经营风险的机构,授信过程中偏好不动产抵押或合格的外部担保,而该类资源也恰好是中小企业普遍难以获得的资源,上述矛盾决定了融资难问题是长期的、客观的现实问题。
SMEs financing difficulties is a worldwide problem, especially in the context of exogenous financing where corporate financing is heavily dependent on bank credit. In order to alleviate the financing difficulties of SMEs, our country has successively promulgated a series of laws, regulations and regulatory policies to guide the bank’s credit orientation, optimize the configuration of credit funds and increase the effective support to SMEs. However, the banks, as the institutions that run the risk, prefer the real estate mortgage or the qualified external guarantee in the process of credit granting, and such resources are just the resources that are generally difficult for SMEs to obtain. The above contradiction determines that the financing difficulty is a long-term and objective reality .