我国中小企业银行信贷融资的法律对策探究

中小企业融资难是多年以来难以破解的世界性难题,它严重制约着我国中小企业的发展。目前我国中小企业虽然融资途径多样,但仍以银行贷款为其获得资金的主要途径。由于中小企业内部自身的缺陷、法律制度的缺失和银行的原因,造成中小企业的信贷融资困难,致使信贷融资难成为我国中小企业发展的难以突破的瓶颈。通过对中小企业贷款难现状和原因的分析,认为缓解中小企业银行信贷融资难的法律对策在于建立完善的中小企业信用担保体系和组建政策性的中小企业银行。

Explore the Legal Response On China's Bank Credit Financing of Small and Medium Enterprises

It 's a problem that the small and Medium-sized Enterprises(SMEs) are difficult to finance all around the world,it restricts the development of the SMEs in China.Although the SMEs financing approach is various at present,the SMEs mainly depended on financing through banks.For the internal reasons of the SMEs,the disfigurements of external regulation,the limitation of legal system and banks,difficulties in finance through banks have been the biggest obstacle for development of the small and medium-sized ente...