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中小企业对一国经济的重要性是肯定的,然而,无论国内还是国外,中小企业融资难问题一直是困扰中小企业发展的一大难题。而我国中小企业融资难点除世界中小企业普遍存在的问题之外,还存在着其他各种原因:中小企业融资过程中国不讲信用、银行对中小企业“惧贷惜贷”、信息严重不对称。总而言之,我国中小企业融资难问题已日益凸显,我们有必要采取更有力的措施去解决这一难题。为此,我提出:成立中小企业融资保险公司,推出“中小企业融资保险”这一保险产品,将保险业务整合到银行和中小企业的借贷关系中,调和中小企业和银行之间的紧张博弈,最终达到使银行和中小企业合作共赢,使社会资源得到高效利用的新局面。
The importance of small and medium-sized enterprises to the economy of a country is affirmed. However, whether domestic or foreign, the financing difficulty of small and medium-sized enterprises has always been a major problem plaguing the development of small and medium-sized enterprises. SMEs financing difficulties in addition to the universal problems of SMEs in the world, there are other reasons: SME financing process in China do not talk about credit, banks for SMEs, “fear of debt”, the information is not serious symmetry. All in all, the problem of financing for SMEs in our country has become increasingly prominent. We need to take more effective measures to solve this problem. To this end, I put forward the proposal of setting up a small and medium-sized enterprise financing insurance company and introducing the insurance product of “SME financing insurance”, integrating the insurance business into the lending relationship between banks and SMEs, and reconciling the tensions between SMEs and banks Game, eventually achieving the new situation of making win-win cooperation between banks and SMEs and making social resources efficient use.