论文部分内容阅读
目前,中小企业发展中面临各种困难,融资难成为他们的核心问题。由于中小企业的经营规模小,产品不成熟,资金又薄弱,在企业运营中有更多的资金需求,而在传统的银行政策环境中又难以贷到所需的资金,小额贷款公司便是一个较好的解决之道。为了充分了解小额贷款公司对中小企业发展的各个层面所起的作用和作用机制,本文主要从宏观和微观上进行说明,在宏观层面上主要从政府、经济和民间风险等方面阐述小额贷款公司对中小企业的作用,在微观层面上主要从贷款手段和工具上,从企业贷款信用意识上和经营风险上等进行阐述,两个层面相互联系,相互融合,充分科学的揭示小额贷款公司对中小企业的作用。
At present, SMEs face various difficulties in their development and financing difficulties have become their core issue. Due to their small scale of operation, immature products and weak capitalization, SMEs have more capital needs in their operations and are unable to lend the necessary funds in the traditional banking policy environment. Therefore, small loan companies A better solution. In order to fully understand the role and mechanism of microcredit companies in all aspects of the development of SMEs, this paper mainly describes macroscopically and microcosmically. At the macro level, it mainly expounds the microcredit from the aspects of government, economy and civil risk At the micro level, the role of the Company in SMEs is mainly explained from the means and tools of loans, the credit awareness of corporate loans and the management risk. The two levels are interrelated and integrated with each other to reveal the full and scientific disclosure of small loan companies The role of SMEs.