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多年以来,融资难问题一直是困扰小企业发展的重要因素,小企业日益增长的资金需求迫切需要打破融资难的枷锁。同时,由于银行小企业贷款不良率相对较高,导致银行惜贷的情绪难以缓解,全国政协委员、招商银行原行长马蔚华在2014年全国“两会”提案中建议:建立新型的、立足于政府支持的、打破盈利性商业模式的担保方式,不失为一个解决小企业融资难困局的方法。
Over the years, the problem of financing difficulties has always been an important factor plaguing the development of small enterprises. The increasing funding needs of small enterprises urgently need to break the shackles of financing difficulties. In the meantime, Ma Weihua, member of the CPPCC National Committee and former president of China Merchants Bank, proposed in the proposal of the “two sessions” in 2014 that the non-performing loan ratio should be relatively high due to the relatively high non-performing loan ratio of banks and small businesses. As a result, In the government-backed way to break the profitable business model of security, after all, a solution to the financing difficulties of small businesses.