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中小企业的发展对于促进福建经济繁荣和社会稳定,优化经济结构意义重大。但近年来,由于受环境、体制等因素影响,福建商业银行贷款集中投向少数经济效益好、信用程度高的大型企业、垄断性企业及企业集团和上市公司,相当一部分中小企业运营周转的资金难以通过银行贷款得到满足。为此,近期我们在深入企业和基层金融机构进行调查研究的基础上,分析当前中小企业“贷款难”和银行“难贷款”并存局面的成因,并就金融业如何支持福建中小企业发展作一些研究探讨。
The development of small and medium-sized enterprises is of great significance to promoting Fujian's economic prosperity and social stability and optimizing its economic structure. However, in recent years, due to environmental and institutional factors, loans from Fujian Commercial Bank have been concentrated on a few large-scale enterprises, monopolies and conglomerates and listed companies with good economic returns and high credit scores. A considerable part of SMEs' operating capital is difficult to fund Satisfied by bank loan. For this reason, on the basis of conducting in-depth investigations and studies by enterprises and grassroots financial institutions, we analyze the causes of the current coexistence of “difficult loans” for small and medium-sized enterprises and “difficult loans” of banks and make some suggestions on how the financial industry supports the development of small and medium-sized enterprises in Fujian Research and discussion.