论文部分内容阅读
根据世界银行的报告,中国的中小企业贡献了全国GDP的50%,但只获得了全国信贷总量的2%-3%。国务院发展研究中心的一项调查表明,我国目前有近67%的中小企业把资金不足作为制约企业生存发展的头等大事。由于没有资金进行更新设备或进行技术改造,全国超半数的中小企业的50%以上的设备属于上个世纪七八十年代的技术水平,有超过20%的企业的设备停留在上个世纪70年代水平。作为在中国经济中占有举足轻重位置的庞大企业群体,中小企业本应是资本市场追逐的对象,但是,长期以来,由于种种原因他们却一直充当着弱势群体的角色,融资渠道匮乏早已成为中小企业发展的擎肘因素。解决中小企业融资难,不仅关系到中小企业的发展和广大人民的福祉,也关系到整个国民经济的发展。中小企业融资到底有多难?难在哪里?出路何在?本刊特派记者进行了深入的调查。2002年8月初,央行发出文件,要求商业银行加大支持中小企业发展的力度,但是,记者深入企业调查发现,中小企业依然难拾银行融资橄榄枝。
According to the report of the World Bank, China's SMEs contributed 50% of the national GDP, but only obtained 2% -3% of the national credit. According to a survey conducted by the State Council Development Research Center, nearly 67% of SMEs in our country regard insufficient funds as a top priority for restricting their survival and development. More than 50% of SMEs in the country are technically advanced in the 1970s and 1980s due to lack of funds to upgrade or rebuild their equipment. More than 20% of the enterprises have their equipment in the 1970s Level. As a large enterprise group that occupies a pivotal position in the Chinese economy, SMEs should be the target of chasing the capital market. For a long time, however, SMEs have been serving as vulnerable groups for a variety of reasons. The lack of financing channels has long been the development of small and medium-sized enterprises The elbow factor. Solving the financing difficulties of small and medium-sized enterprises is not only related to the development of small and medium-sized enterprises and the well-being of the broad masses of the people, but also to the development of the entire national economy. SMEs financing in the end how difficult? Where is the difficulty? Where is the way? Journal correspondent conducted an in-depth investigation. In early August 2002, the central bank issued a document requiring commercial banks to step up their efforts in supporting the development of small and medium-sized enterprises. However, according to an in-depth investigation by a reporter, SMEs still found it hard to pick up their bank financing.