论文部分内容阅读
小微企业在发展过程中,普遍存在融资困难的问题。在小微企业融资中,最主要的渠道是银行贷款。在银行贷款中,由于小微企业缺少有效抵质押,因此需要利用信用担保来获得银行贷款。而小微企业担保体系不够健全,加上政府扶持资金以及力度不够,导致小微企业发展困难,利润较小。本文以云南省小微企业为代表,分析其小微企业融资难的原因,并提出了加强小微企业融资服务体系建设的措施,希望能够与同行业人士相互交流借鉴。
Small and micro enterprises in the development process, the widespread problems of financing difficulties. In the small and micro enterprise financing, the most important channel is bank loans. In bank loans, due to the lack of effective collateral pledges by small and micro enterprises, they need to use credit guarantees to obtain bank loans. However, the guarantee system for small and micro enterprises is not sound enough. Coupled with the lack of government support and funds, the development of small and micro enterprises is difficult and the profits are small. This article takes Yunnan Province as a representative of small and micro enterprises, analyzes the reason of its small and micro enterprises financing difficulties, and puts forward measures to strengthen the construction of small and micro enterprises financing service system, hoping to exchange experiences with other people in the industry.