论文部分内容阅读
在经济下行压力背景下,近期部分企业资金链状况总体趋紧,到期贷款归还难度增加,违约和不良率有上升的迹象。如何合理解决企业在归还银行贷款时的资金需求既是有效防范和化解金融风险的重要举措,也是维护良好金融生态的内在要求。为此,我们在浙江省义乌市开展了企业还贷资金来源情况调查。调查结论还贷资金来源于民间融资的比重不低。28.69%的还贷资金来源于民间借贷,市场主体对民间资金的需求比较旺
Under the background of economic downturn, the capital stock chain of some enterprises has generally tightened in recent years, the difficulty of returning loans due to increase, and signs of rising default and non-performing loans. How to reasonably solve the capital needs of enterprises in repaying bank loans is not only an important measure for effectively preventing and resolving financial risks, but also an inherent requirement for maintaining a sound financial ecology. To this end, we conducted a survey of sources of corporate repayments in Yiwu City, Zhejiang Province. Findings of the repayment of funds from non-governmental financing is not low proportion. 28.69% repayments of funds come from private lending, market demand for private capital is more flourishing