【摘要】 我国中小企业发展中面临的突出问题是融资难。国有商业银行之所以不愿对中小企业贷款 ,所有制歧视、对中小企业贷款风险的认识、现行信贷政策和信贷管理办法的缺陷、信息的不对称性和贷款的高成本性、信用的缺失与担保体系的不健全等 ,都是重要的原因。为了加强对中小企业的贷款支持 ,解决中小企业的融资难题 ,国有商业银行既要切实改变以“出身”论优劣的传统观念 ,辩证地看待中小企业的贷款风险 ,改革信贷管理办法 ,提高金融服务水平 ,又要通过建立新的银企关系 ,改变信息不对称的现象 ,并积极参与发展信用担保体系 ,降低违约风险。更多还原

【Abstract】 An outstanding problem that China’s small-and medium-scale firms face in their development is financing difficulty. Key reasons why state-owned commercial banks are unwilling to extend loans to them are proprietorship discrimination, knowledge of risks of granting loans to small-and medium-scale firms, defects in existing loan policies and credit loan management approaches, asymmetric information and high costing of loans, defects and missing of credit, and imperfect guarantee system, etc. In order to strengthen a support for granting loans to small-and medium-scale firms and to solve the problem of financing difficulty in small-and medium-scale firms, on one hand, state-owned commercial banks should change conscientiously traditional ideas that discussion on being of good quality or of bad quality is made according to "origin", dialectically treat risks in granting loans to small-and medium-scale firms, reform credit loan management approaches and improve financial service level. On the other hand, phenomenon of asymmetric information should be alternated by establishing new bank-firm relationship and to participate actively in development of credit guarantee system so as to reduce risks of default.更多还原