本文關(guān)鍵詞：關(guān)于小微企業(yè)融資難融資貴問題的思考——基于商業(yè)銀行的視角　出處：《當(dāng)代經(jīng)濟》2016年36期 　論文類型：期刊論文

  更多相關(guān)文章： 小微企業(yè) 商業(yè)銀行 融資難 融資貴 建議

【摘要】：小微企業(yè)融資難、融資貴問題由來已久,是個"老大難"問題,本文從商業(yè)銀行的視角分析小微企業(yè)融資難和融資貴的原因,認為商業(yè)銀行思想意識、考核導(dǎo)向?qū)е滦∥⑵髽I(yè)融資難;商業(yè)銀行對利潤的追逐,以及資金和管理成本逐年增加導(dǎo)致小微企業(yè)融資貴。針對小微企業(yè)融資難融資貴的問題本文給出建立差別化有激勵的考核體系、提高小微企業(yè)業(yè)務(wù)辦貸效率、減免息費惠及廣大小微企業(yè)的建議。
[Abstract]:The financing of small and micro enterprises is difficult, the problem of financing expensive has a long history, is a "old difficult" problem, this article from the perspective of commercial banks to analyze the small and micro enterprises financing difficulties and financing expensive reasons, think commercial banks ideological consciousness. The examination direction leads to the financing difficulty of the small and micro enterprises; The pursuit of profit by commercial banks, as well as the increasing of capital and management costs year by year, lead to the small and micro enterprises financing expensive. In view of the problem of small and micro enterprises financing difficult to finance expensive, this paper gives the establishment of differential incentive assessment system. Improve the efficiency of small and micro-enterprise business loan, reduce interest charges to benefit the majority of small and micro-enterprises.
【作者單位】： 中國農(nóng)業(yè)銀行總行;
【分類號】：F276.3;F832.4
【正文快照】： 一般來說,小微企業(yè)經(jīng)營具有以下三個顯著特征:一是規(guī)模小,輕資產(chǎn)。小微企業(yè)的核心競爭力往往表現(xiàn)為知識產(chǎn)權(quán)和品牌價值等無形資產(chǎn),可用于抵質(zhì)押的固定資產(chǎn)相對較少。二是經(jīng)營波動大,抗風(fēng)險能力弱。大多數(shù)小微企業(yè)處于競爭程度較高的行業(yè),易受經(jīng)濟周期波動影響,存續(xù)期較難預(yù)料，

本文編號：1404430