论文部分内容阅读
最近几年,随着我国经济的高速发展,我国中小企业风生水起,规模和市场份额不断壮大,作为社会主义市场经济的重要组成部分,其在促进经济发展,创造就业机会和稳定出口市场方面占有举足轻重的地位。但是其发展并不一帆风顺,由于中小企业的规模相对较小,信用度普遍不高,导致这些企业在我国金融市场尤其是银行领域融资困难,加之政府对中小企业资金支持和优惠力度不够,使得近年来我国中小企业融资面临严峻的挑战,为防止企业资金链断裂,其只有求助民间,由此而引发的民间借贷纠纷便愈演愈烈。本文就这些现实障碍提出相应对策,以期对我国民间借贷的规范发展有所裨益。
In recent years, with the rapid economic development in our country, the small and medium-sized enterprises (SMEs) in China have been growing trendy and gaining scale and market share. As an important part of the socialist market economy, their SMEs are playing an important role in promoting economic development, creating job opportunities and stabilizing the export market Aspects occupy a pivotal position. However, its development is not smooth. Due to the relatively small size of SMEs and the generally low credit rating, these enterprises have difficulty in financing in the financial markets of our country, especially in the banking sector. In addition, the government has not enough funds for SMEs to provide financial support and preferential treatment. In recent years, Financing of SMEs in our country is facing a serious challenge. To prevent the breaking of the capital chain of enterprises, only the private sector is seeking help from the private sector. As a result, disputes over private lending will be intensified. This article puts forward corresponding countermeasures to these practical obstacles in the hope of benefiting the standard development of our country’s private lending.