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在当前信贷规模压缩的情况下,融资难仍然是当前中小企业反映最突出的问题之一。近年来,虽然国家有关部门做了大量工作,使得小企业贷款增幅连续几年高于贷款整体增幅,但由于小企业量大面广、自身担保能力有限等原因,很多企业依然享受不到正规的金融服务。因此,如何破解融资难、促进中小企业可持续发展仍然是一个值得深入探讨的话题。一、宁夏中小企业融资现状在当前持续收紧的货币政策下,宁夏64%的企业认为目前向银行贷
With the current scale of credit squeezed, financing difficulties are still one of the most prominent issues reflected by SMEs. In recent years, although the relevant departments of the state have done a lot of work, making the growth rate of small business loans more than the overall increase in loans for several years in succession, due to the large number of small enterprises and their limited ability to guarantee, many companies still do not enjoy formal Financial Services. Therefore, how to solve the financing difficulties and promote the sustainable development of SMEs is still a subject worthy of further discussion. I. Status of Financing for Mid-small Enterprises in Ningxia Under the currently tightened monetary policy, 64% of companies in Ningxia believe that they are currently credited to banks.