我国中小企业贷款难的原因及对策分析摘要本文就中小企业贷款问题进行剖析。随着经济的不断发展，经济结构的不断改变，中小企业如雨后春笋般发展起来。中小企业因规模小、经营方式灵活，已然成为经济发展的重要支柱，成为GDP增长的主要动力。然而中小企业同样面临着很多的困扰，比如法律规章制度的限制，专业人才的缺乏等等，但是贷款难或是融资难往往是阻碍中小企业发展的主要因素。本文从中小企业的发展及在经济发展中的作用，中小企业面临的困境结合目前商业银行在中小企业贷款业务方面的开展进行分析，针对所得出的结论提出相应解决办法。同时以我国银行独具特色的中小企业贷款业务做为实例，展现中小企业贷款业务的巨大前景。关键词：中小企业；贷款；融资ChinasmallandmediumenterpriseloandifficultreasonandcountermeasureanalysisAbstractInseriousanalysiscausesloanstovariouscausesandcontradictiononthebasis，fromourcountrysmallandmedium-sizedenterpriseandbankloanstwoangletoundertakemorecomprehensiveanalysis，andproposedthecorrespondingcountermeasure.Thispaperanalyzestheproblemsofmediumandsmallbusinessloan.Withthecontinuousdevelopmentoftheeconomy，theeconomicstructurechanging，suchasbambooshootsafteraspringrainriseslikethedevelopmentofsmallandmedium-sizedenterprises.Thesmallandmedium-sizedenterprisebecauseofsmallsize，flexiblemodeofoperation，alreadybecametheimportantpillarofeconomicdevelopment，becomethemaindriverofGDPgrowth.However，smallandmediumenterprisesalsofacemanyproblems，suchasthelegalrulesandregulationsoftheconstraints，thelackofprofessionalsandsoon，buttheloansorfinancingisoftenhinderedthedevelopmentofsmallandmedium-sizedenterprisesarethemainfactors.Thisarticlefromthesmallandmedium-sizedenterprisedevelopmentandtheroleineconomicdevelopment，difficultiesfacedbysmallandmediumenterprisesincombinationofthecommercialbankinthesmallandmedium-sizedenterpriseloanbusinesshascarriedoutanalysis，accordingtotheconclusionsandputsforwardthecorrespondingsolution.Atthesametime，theChinesebankspecialloanstosmallandmediumenterprisesbusinessasexamples，showgreatprospectforSMEcreditbusiness.Keywords:Smallandmediumenterprisesloan；financing；目录摘要............................................................................IAbstract...........................................................................II前言................................................................................1第一章引言.........................................................................21.1选题背景与研究意义..........................................................21.2研究思路与内容..............................................................2第二章文献综述.....................................................................3第三章我国中小企业贷款现状分析.....................................................53.1中小企业概况.................................................................53.2银行方面.....................................................................53.3中小企业方面.................................................................73.3.1中小企业成长的不确定性.....................................................73.3.2信息不对称.................................................................73.3.3风险覆盖不足...............................................................73.3.4服务有效性不足.............................................................7第四章中小企业贷款难的主要原因分析.................................................84...
