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中小企业发展一般会经历创建、成长、成熟、蜕变的周期性过程,不同生命周期阶段具有不同的融资风险和融资需求。近期,人民银行天津分行对滨海新区24家二级分行以上银行机构及227家中小企业进行了专项调查,在此基础上对不同生命周期中小企业的融资需求、结构及供需匹配性进行了分析。结果显示,当前中小企业资金状况总体偏紧,融资结构具有周期性特征,但银
SMEs generally experience the cyclical process of creation, growth, maturity and transformation. They have different financing risks and financing needs in different stages of life cycle. Recently, PBC Tianjin Branch conducted a special survey of 24 banking institutions above designated level 2 branches and 227 small and medium-sized enterprises in Binhai New Area. Based on this, the financing needs, structure and supply-demand matching of SMEs in different life cycles were analyzed. The results show that the current overall situation of SME funding tight, financing structure has a cyclical characteristics, but silver