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通过对1800多家小微企业的融资结构和融资成本进行历时两年的跟踪调查,可以发现,造成小微企业“融资贵”的原因较为复杂,需要正确认识、理性看待、全面分析、找准症结。降低融资成本不能只靠银行单打独斗,需要企业、银行、政府等共同努力,多措并举、综合施策。小微企业既是商业银行金融服务的重点领域,也是薄弱环节。解决“融资难”“融资贵”问题,中央重视,社会关注。笔者针对1800多家小微企业展开调研,在问卷调查基础上,剖析了小微企业融资结构和基本情况,比较了不同融资渠道的融资成本,分析了造成小微企业“融资贵”刻板认知的主要成因。
After a two-year follow-up survey on the financing structure and financing costs of more than 1,800 small and micro enterprises, we can find that the reasons for causing “small and micro enterprises” are more complicated and require a correct understanding, rationality, comprehensive analysis, Identify the symptoms knot. Reduce the cost of financing can not rely solely on the bank alone, need enterprises, banks, governments and other joint efforts, take measures to take measures to comprehensive policy. Small and micro enterprises are not only the key areas of commercial banks’ financial services, but also the weak links. Solve the “financing difficulties” “financing ” issue, the central attention, social concern. Based on the questionnaire survey, the author analyzes the financing structure and basic conditions of small and micro enterprises, compares the financing costs of different financing channels, and analyzes the reasons why small and micro enterprises are “financing expensive” The main cause of cognition.