论文部分内容阅读
当前,中小企业生存环境不容乐观,主要面临着融资贵、用工难和税负重问题。融资贵,这是长期困扰中小企业的老问题。尤其是在经济增速趋缓的今天,银行等金融机构对放贷更加谨慎。相对于大企业,中小企业的资产抵押品不足、经营状况不稳定,获得贷款更加困难。国家统计局调查问卷显示,2013年一季度,有银行借款需求的小微企业,66%的企业未能从银行获得借款,12%的企业从银行获得少部分借款,13%的企业从银行获得大部分借款,仅有8.5%的企业从银行获得全部借款。我们在浙江的调研也表明,
At present, the living environment of SMEs is not optimistic, mainly facing the problems of expensive financing, hard-working employment and heavy tax burden. Financing is expensive, which is an old problem plaguing small and medium-sized enterprises for a long time. Especially in the economic slowdown today, banks and other financial institutions are more cautious about lending. Relative to large enterprises, SMEs lack assets collateral, unstable operating conditions and access to loans more difficult. According to a questionnaire from the National Bureau of Statistics, in the first quarter of 2013, 66% of small and micro-enterprises with bank loan needs failed to get loans from banks, 12% received a small amount of loans from banks and 13% from banks For the most part, only 8.5% of companies borrowed all their money from the bank. Our research in Zhejiang also shows that,