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小微企业是我国经济发展的重要组成部分,但是由于小微企业存在数量多、规模小、抗风险能力低等特点,导致小微企业在谋求银行贷款时存在一些困难,不利于小微企业的成长和发展。近年来我国高度重视小微企业的贷款工作,各大银行积极响应国家政策,但是在贷款过程中仍然存在很多问题。本文基于这一背景,首先对国内外小微企业贷款存在的差异进行研究,然后回顾近年来我国在小微企业贷款政策上的变化,最后分析我国小微企业贷款存在的问题并提出相应的解决方案。
Small and micro enterprises are an important part of China’s economic development. However, due to the small number of small and micro enterprises, small scale and low anti-risk ability, small and micro enterprises have some difficulties in seeking bank loans, which is not good for small and micro enterprises Growth and development. In recent years, China has attached great importance to lending to small and micro enterprises. Major banks have responded positively to the national policies, but many problems still exist in the course of lending. Based on this background, this paper firstly studies the differences of loans to small and micro enterprises at home and abroad, then reviews the changes of China’s lending policies to small and micro enterprises in recent years, and finally analyzes the problems existing in the loans to small and micro enterprises in our country and puts forward corresponding solutions Program.