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近年来,中小在我国国民和社会中的重要地位和作用,越来越受到各方面的关注,中小企业发展所面临的一个最普遍和最关键的制约因素就是融资难问题。作为为地方经济服务的地方性商业银行在兼顾风险和收益、兼顾服务地方经济和自身发展的前提下,找出可持续发展的中小企业服务策略已成为当务之急,本文对我国中小企业融资难的原因进行分析,提出地方性商业银行服务中小企业的策略。
中小企业;地方性商业银行;融资难;服务策略
That medium-sized and small enterprises develops what be confronted with one in recent years, medium-sized and small enterprises is in important position and effect in our country national economy and social development, catch Yue Lai Yueevery aspect attention, the key restraint factor is a financing troublesome problem draw commonly most. Accomplish for the local characteristics commercial bank that local economy serves under giving consideration to risk and avails, giving consideration to both serving the premise that local economy and oneself develop, the medium-sized and small enterprises finance finding out sustainable development serves tactics already having become a task of top priority, the analysis the main body of a book is carried out on difficult cause of our country medium-sized and small enterprises financing, the tactics suggesting that the local characteristics commercial bank serves medium-sized and small enterprises.
Medium-sized and small enterprises; Local characteristics commercial bank; Financing is difficult; Serve tactics
F830.31B1673-8209(2009)02-0015-02
当前的经济,正在经历着一个重要时期,经济活动中的复杂性、不确定性超过以往任何一个时期,在这种形势下,中小企业流动资金紧张、融资难的问题将会愈加突出。地方性商业银行如何在兼顾风险和收益、兼顾服务地方经济和自身发展的前提下,找出可持续发展的中小企业金融服务策略已成为当务之急。
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