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2015年吉林省全民创业活动空前高涨,在地方政府和金融机构的共同努力下小微金融产品层出不穷。然而,小微企业在银行融资与非银行融资面前,不得不选择非银行融资,承担高额的融资成本。本文在对吉林省内小微企业及主要商业银行信贷部门进行一线调研的基础上,总结了银行对小微企业的贷款风险评价,分析了吉林省小微企业融资在银行总体贷款业务中比例低于经济发达省份的原因,并提出了解决小微企业融资问题对策。
In 2015, the entire people’s undertaking in Jilin Province has been on the rise. With the joint efforts of local governments and financial institutions, small and micro financial products are emerging in an endless stream. However, in the face of bank financing and non-bank financing, small and micro enterprises have to choose non-bank financing and undertake high financing costs. Based on the first-line research on the credit departments of small and micro-enterprises and major commercial banks in Jilin Province, this paper summarizes the bank’s loan risk assessment for small and micro-sized enterprises, and analyzes the proportion of small and micro enterprise financing in Jilin’s total loan business is low In economically developed provinces, and put forward measures to solve the financing problems of small and micro enterprises.