【摘要】 中小企业贷款难,主要是银行与中小企业的关系存在问题。影响二者关系的主要原因是:中小企业信用水平偏低,银企之间信息不对称,担保机构运作不规范及银行对资本市场发展认识不足等。应采取的对策是:建立健全中小企业信用体系,完善担保体系,同时商业银行应进一步转变营销观念,建立为中小企业服务的金融体系等。更多还原

【Abstract】 Small and medium-sized enterprises have difficulty in getting loans mainly because of the relationship between bank and enterprise.The major causes affecting the relationship lie in the following:the enterprise’s lower credit standing,the information asymmetry between bank and en-terprise,guarantee institutions’non-standard operation,and the bank’s insufficient understanding of capital market development,etc.Considering these,we may adopt the countermeasures,such as setting up and perfecting the credit system of small and medium-sized enterprises and improving the guarantee system.Meanwhile,commercial banks should make the transition from the old con-ception to the new in marketing and establish the financial service system for small and medium-sized enterprises.更多还原