導(dao)語：互(hu)聯網金融背(bei)景中小(xiao)企業融資研究一文來源于網友上(shang)傳，不代表本站(zhan)觀點，若需要原(yuan)創文章可咨(zi)詢客(ke)服老師，歡(huan)迎參考。

摘要：隨著我國國民經濟不斷發展和市場及經濟結構的多樣化，中小企業在經濟社會發展中的作用不言而喻。近年來，世界經濟局勢風云巨變，保護主義和單邊主義勢頭上升，嚴重影響著經濟全球化的發展，我國許多中小企業由于自身存在的融資渠道單一、生產信用和財務信用的缺失、不能提供有效的信貸保證等問題陷入融資難的境況。2013年，我國進入互聯網金融創新(xin)發(fa)展(zhan)新(xin)時期，新(xin)型(xing)融(rong)資模式(shi)如(ru)眾籌、P2P網貸、網絡小(xiao)額貸款等進(jin)入(ru)大家的(de)視野。互聯網金融(rong)是(shi)一把(ba)雙刃劍，給中小(xiao)企業帶去了機遇和挑戰。

關鍵詞：互(hu)聯網金融；中小(xiao)企業(ye)；融資

一、中小企業融資現狀

1.融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)結構不(bu)(bu)平(ping)(ping)(ping)衡企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)渠道(dao)大致可(ke)(ke)分(fen)為(wei)(wei)內(nei)(nei)源(yuan)(yuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)和(he)(he)(he)外源(yuan)(yuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)，所(suo)謂內(nei)(nei)源(yuan)(yuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)是(shi)指(zhi)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)將(jiang)自身在(zai)生(sheng)產(chan)(chan)經(jing)營活動中(zhong)(zhong)(zhong)(zhong)所(suo)產(chan)(chan)生(sheng)的(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)收入(ru)(ru)（主要(yao)包括留存(cun)收益、折舊等(deng)）轉化為(wei)(wei)自身投(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)過(guo)程(cheng)；而(er)外源(yuan)(yuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)是(shi)指(zhi)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)向(xiang)銀(yin)(yin)行(xing)(xing)或(huo)(huo)非銀(yin)(yin)行(xing)(xing)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構進行(xing)(xing)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)籌(chou)集的(de)(de)(de)(de)(de)(de)(de)過(guo)程(cheng)。中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)經(jing)營規模(mo)較(jiao)(jiao)小(xiao)(xiao)(xiao)，在(zai)初創(chuang)期時(shi)所(suo)依(yi)賴的(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)投(tou)(tou)(tou)入(ru)(ru)也較(jiao)(jiao)少，所(suo)以(yi)它(ta)們(men)絕大部(bu)分(fen)的(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)來(lai)(lai)自于內(nei)(nei)源(yuan)(yuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)。而(er)隨(sui)著(zhu)技術的(de)(de)(de)(de)(de)(de)(de)進步和(he)(he)(he)生(sheng)產(chan)(chan)力水平(ping)(ping)(ping)的(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)斷發(fa)展，企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)需要(yao)不(bu)(bu)斷地(di)擴(kuo)大資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)參(can)與市(shi)(shi)場競(jing)爭，此時(shi)僅靠內(nei)(nei)源(yuan)(yuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)來(lai)(lai)填補(bu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)缺(que)口已經(jing)不(bu)(bu)能(neng)(neng)滿足(zu)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)對(dui)于資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)需求(qiu)，這(zhe)(zhe)時(shi)需要(yao)外部(bu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)投(tou)(tou)(tou)入(ru)(ru)來(lai)(lai)促進企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)持續(xu)發(fa)展。但(dan)盡管發(fa)展了相關外源(yuan)(yuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)舉措，我國中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)內(nei)(nei)源(yuan)(yuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)比(bi)例仍(reng)處于80%以(yi)上(shang)的(de)(de)(de)(de)(de)(de)(de)高(gao)位(wei)，許多中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)尚未充分(fen)利用(yong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)市(shi)(shi)場進行(xing)(xing)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)，直接融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)規模(mo)較(jiao)(jiao)小(xiao)(xiao)(xiao)，約占我國社會融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)總規模(mo)的(de)(de)(de)(de)(de)(de)(de)1.3%。可(ke)(ke)見(jian)，我國中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)渠道(dao)單一(yi)且(qie)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)結構不(bu)(bu)平(ping)(ping)(ping)衡。2.有(you)(you)效融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)渠道(dao)少我國的(de)(de)(de)(de)(de)(de)(de)主板(ban)、中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)板(ban)、創(chuang)業(ye)(ye)(ye)板(ban)等(deng)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)市(shi)(shi)場均設有(you)(you)上(shang)市(shi)(shi)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)硬性要(yao)求(qiu)，中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)基于規模(mo)小(xiao)(xiao)(xiao)、盈(ying)利能(neng)(neng)力不(bu)(bu)突(tu)出等(deng)特點很難(nan)(nan)(nan)達(da)到(dao)(dao)標準(zhun)，雖(sui)然有(you)(you)些中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)能(neng)(neng)在(zai)新三板(ban)上(shang)市(shi)(shi)，但(dan)為(wei)(wei)數(shu)不(bu)(bu)多。新興的(de)(de)(de)(de)(de)(de)(de)科創(chuang)板(ban)（實行(xing)(xing)注冊制）對(dui)于企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)信(xin)息披露的(de)(de)(de)(de)(de)(de)(de)要(yao)求(qiu)與中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)信(xin)息不(bu)(bu)透明(ming)矛盾，而(er)且(qie)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)規模(mo)較(jiao)(jiao)小(xiao)(xiao)(xiao)，抵押能(neng)(neng)力弱，很難(nan)(nan)(nan)找到(dao)(dao)一(yi)個財產(chan)(chan)狀(zhuang)(zhuang)況良好的(de)(de)(de)(de)(de)(de)(de)擔(dan)(dan)保公司(si)對(dui)其進行(xing)(xing)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)保。我國商業(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)貸(dai)款要(yao)求(qiu)提供(gong)(gong)較(jiao)(jiao)高(gao)的(de)(de)(de)(de)(de)(de)(de)擔(dan)(dan)保，在(zai)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)有(you)(you)限(xian)的(de)(de)(de)(de)(de)(de)(de)情況下，銀(yin)(yin)行(xing)(xing)更愿意承擔(dan)(dan)低風險而(er)貸(dai)款給經(jing)營狀(zhuang)(zhuang)況穩(wen)定、征信(xin)水平(ping)(ping)(ping)較(jiao)(jiao)高(gao)的(de)(de)(de)(de)(de)(de)(de)大型企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)。同(tong)時(shi)，非銀(yin)(yin)行(xing)(xing)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構的(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)品(pin)往(wang)往(wang)強調企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)供(gong)(gong)應鏈(lian)上(shang)的(de)(de)(de)(de)(de)(de)(de)穩(wen)定，同(tong)時(shi)需要(yao)提供(gong)(gong)一(yi)筆保證金(jin)(jin)(jin)(jin)以(yi)防范(fan)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)風險，這(zhe)(zhe)與供(gong)(gong)應鏈(lian)比(bi)較(jiao)(jiao)薄弱而(er)且(qie)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)匱乏(fa)的(de)(de)(de)(de)(de)(de)(de)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)現(xian)狀(zhuang)(zhuang)不(bu)(bu)符，很難(nan)(nan)(nan)通過(guo)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)品(pin)來(lai)(lai)實現(xian)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)。可(ke)(ke)見(jian)，我國中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)有(you)(you)效的(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)渠道(dao)很少。3.融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)市(shi)(shi)場混亂目前，市(shi)(shi)場上(shang)涌現(xian)出很多民間(jian)借(jie)(jie)(jie)(jie)貸(dai)組織和(he)(he)(he)網上(shang)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)平(ping)(ping)(ping)臺(tai)如(ru)P2P、眾(zhong)籌(chou)、電商貸(dai)款平(ping)(ping)(ping)臺(tai)等(deng)，存(cun)在(zai)著(zhu)簡(jian)便(bian)快捷、借(jie)(jie)(jie)(jie)貸(dai)靈活的(de)(de)(de)(de)(de)(de)(de)優勢，在(zai)很短的(de)(de)(de)(de)(de)(de)(de)時(shi)間(jian)內(nei)(nei)就侵(qin)入(ru)(ru)了中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)市(shi)(shi)場，這(zhe)(zhe)些融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)途徑(jing)本(ben)(ben)(ben)來(lai)(lai)可(ke)(ke)以(yi)很好地(di)彌補(bu)正規融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)機(ji)構的(de)(de)(de)(de)(de)(de)(de)缺(que)點，但(dan)是(shi)由于民間(jian)借(jie)(jie)(jie)(jie)貸(dai)和(he)(he)(he)互聯網融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)平(ping)(ping)(ping)臺(tai)缺(que)乏(fa)監管、沒(mei)有(you)(you)針對(dui)性的(de)(de)(de)(de)(de)(de)(de)法律(lv)基礎，就形成魚龍混雜的(de)(de)(de)(de)(de)(de)(de)混亂局面(mian)(mian)。民間(jian)借(jie)(jie)(jie)(jie)貸(dai)存(cun)在(zai)超高(gao)利率(lv)，貸(dai)款人用(yong)武力脅(xie)迫借(jie)(jie)(jie)(jie)款人償還(huan)高(gao)利息和(he)(he)(he)本(ben)(ben)(ben)金(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)黑(hei)社會行(xing)(xing)為(wei)(wei)；融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)平(ping)(ping)(ping)臺(tai)在(zai)吸(xi)納投(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)者(zhe)的(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)之后出現(xian)破產(chan)(chan)或(huo)(huo)倒閉(bi)的(de)(de)(de)(de)(de)(de)(de)現(xian)象，造成如(ru)今投(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)者(zhe)不(bu)(bu)敢投(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)良局面(mian)(mian)，直接形成融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)市(shi)(shi)場混亂的(de)(de)(de)(de)(de)(de)(de)局面(mian)(mian)。

二、中小企業融資問題

1.融(rong)(rong)(rong)資(zi)(zi)(zi)難(nan)在(zai)進(jin)行(xing)融(rong)(rong)(rong)資(zi)(zi)(zi)時，中(zhong)小(xiao)企(qi)(qi)業(ye)很(hen)難(nan)達到(dao)銀行(xing)貸(dai)(dai)款的(de)(de)(de)(de)(de)硬(ying)性要求，也(ye)無(wu)法提(ti)供健全(quan)的(de)(de)(de)(de)(de)財務(wu)資(zi)(zi)(zi)料。在(zai)擔保(bao)(bao)方(fang)面，保(bao)(bao)證金(jin)門檻無(wu)形中(zhong)加重了(le)企(qi)(qi)業(ye)融(rong)(rong)(rong)資(zi)(zi)(zi)的(de)(de)(de)(de)(de)負(fu)擔，而且(qie)我(wo)國(guo)的(de)(de)(de)(de)(de)信(xin)(xin)用(yong)評(ping)(ping)估(gu)體系不(bu)(bu)(bu)完善，雖(sui)然有(you)些評(ping)(ping)級機(ji)(ji)構如(ru)中(zhong)誠信(xin)(xin)國(guo)際(ji)信(xin)(xin)用(yong)評(ping)(ping)級有(you)限公司提(ti)供了(le)相關的(de)(de)(de)(de)(de)小(xiao)微金(jin)融(rong)(rong)(rong)貸(dai)(dai)前調查，但(dan)是(shi)(shi)(shi)采集(ji)的(de)(de)(de)(de)(de)數據大多(duo)數來自(zi)于互(hu)聯(lian)網(wang)(wang)(wang)(wang)的(de)(de)(de)(de)(de)數據，而絕大部分的(de)(de)(de)(de)(de)中(zhong)小(xiao)企(qi)(qi)業(ye)的(de)(de)(de)(de)(de)真實信(xin)(xin)息(xi)(xi)是(shi)(shi)(shi)沒有(you)在(zai)網(wang)(wang)(wang)(wang)上得以正確地披露，而且(qie)，評(ping)(ping)級機(ji)(ji)構如(ru)果(guo)利(li)用(yong)對(dui)大企(qi)(qi)業(ye)評(ping)(ping)估(gu)的(de)(de)(de)(de)(de)策略來看(kan)待中(zhong)小(xiao)企(qi)(qi)業(ye)，會(hui)造(zao)成錯誤的(de)(de)(de)(de)(de)不(bu)(bu)(bu)真實的(de)(de)(de)(de)(de)評(ping)(ping)估(gu)。2.融(rong)(rong)(rong)資(zi)(zi)(zi)貴由于中(zhong)小(xiao)企(qi)(qi)業(ye)存在(zai)擔保(bao)(bao)問(wen)題和信(xin)(xin)息(xi)(xi)不(bu)(bu)(bu)透明(ming)問(wen)題，導致了(le)融(rong)(rong)(rong)資(zi)(zi)(zi)市(shi)場(chang)上中(zhong)小(xiao)企(qi)(qi)業(ye)與金(jin)融(rong)(rong)(rong)機(ji)(ji)構信(xin)(xin)息(xi)(xi)不(bu)(bu)(bu)對(dui)稱的(de)(de)(de)(de)(de)問(wen)題，加上信(xin)(xin)用(yong)評(ping)(ping)估(gu)市(shi)場(chang)的(de)(de)(de)(de)(de)不(bu)(bu)(bu)完善，造(zao)成中(zhong)小(xiao)企(qi)(qi)業(ye)風險高(gao)、信(xin)(xin)用(yong)低(di)的(de)(de)(de)(de)(de)普(pu)遍印(yin)象。民間(jian)借貸(dai)(dai)和互(hu)聯(lian)網(wang)(wang)(wang)(wang)融(rong)(rong)(rong)資(zi)(zi)(zi)平臺(tai)雖(sui)然有(you)著(zhu)較為靈活(huo)的(de)(de)(de)(de)(de)放(fang)貸(dai)(dai)要求，但(dan)是(shi)(shi)(shi)擔保(bao)(bao)公司也(ye)考慮到(dao)中(zhong)小(xiao)企(qi)(qi)業(ye)的(de)(de)(de)(de)(de)風險溢價(jia)，普(pu)遍對(dui)其收(shou)取較高(gao)的(de)(de)(de)(de)(de)保(bao)(bao)證金(jin)，而這又是(shi)(shi)(shi)一筆高(gao)昂的(de)(de)(de)(de)(de)支出(chu)。從下圖的(de)(de)(de)(de)(de)溫州指(zhi)數和我(wo)國(guo)銀行(xing)貸(dai)(dai)款利(li)率對(dui)比圖大致可(ke)以看(kan)出(chu)，民間(jian)借貸(dai)(dai)利(li)率明(ming)顯高(gao)于銀行(xing)貸(dai)(dai)款利(li)率，并保(bao)(bao)持在(zai)3倍左(zuo)右。可(ke)見(jian)，中(zhong)小(xiao)企(qi)(qi)業(ye)的(de)(de)(de)(de)(de)財務(wu)管(guan)理制度(du)的(de)(de)(de)(de)(de)不(bu)(bu)(bu)規范、非正規融(rong)(rong)(rong)資(zi)(zi)(zi)機(ji)(ji)構的(de)(de)(de)(de)(de)監管(guan)缺少(shao)，造(zao)成了(le)中(zhong)小(xiao)企(qi)(qi)業(ye)融(rong)(rong)(rong)資(zi)(zi)(zi)成本高(gao)昂的(de)(de)(de)(de)(de)困境(jing)。3.融(rong)(rong)(rong)資(zi)(zi)(zi)亂隨著(zhu)互(hu)聯(lian)網(wang)(wang)(wang)(wang)金(jin)融(rong)(rong)(rong)的(de)(de)(de)(de)(de)發(fa)展，互(hu)聯(lian)網(wang)(wang)(wang)(wang)金(jin)融(rong)(rong)(rong)貸(dai)(dai)逐漸(jian)興起(qi)，并飛速發(fa)展，互(hu)聯(lian)網(wang)(wang)(wang)(wang)金(jin)融(rong)(rong)(rong)貸(dai)(dai)開始泛濫，特別是(shi)(shi)(shi)針(zhen)對(dui)于個(ge)人校(xiao)園貸(dai)(dai)，無(wu)良計(ji)息(xi)(xi)方(fang)式(shi)讓(rang)眾(zhong)多(duo)缺乏金(jin)融(rong)(rong)(rong)知識(shi)的(de)(de)(de)(de)(de)人陷入還貸(dai)(dai)的(de)(de)(de)(de)(de)無(wu)底洞。互(hu)聯(lian)網(wang)(wang)(wang)(wang)金(jin)融(rong)(rong)(rong)貸(dai)(dai)存在(zai)的(de)(de)(de)(de)(de)其他(ta)隱(yin)患如(ru)用(yong)戶(hu)信(xin)(xin)息(xi)(xi)的(de)(de)(de)(de)(de)泄露、犯罪團伙建立虛假平臺(tai)騙(pian)取投資(zi)(zi)(zi)人資(zi)(zi)(zi)金(jin)等(deng)。

三、中小企業融資問題的原因分析

1.中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)自(zi)身能(neng)(neng)(neng)力不(bu)(bu)(bu)(bu)(bu)(bu)(bu)足(zu)（1）資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)規(gui)(gui)(gui)模(mo)(mo)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)，競爭力薄弱中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)是(shi)(shi)(shi)(shi)(shi)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)型(xing)、小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)型(xing)和(he)(he)(he)(he)(he)(he)微型(xing)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)總(zong)稱(cheng)，其突(tu)出(chu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)特點就(jiu)(jiu)在(zai)(zai)于(yu)(yu)(yu)(yu)(yu)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)規(gui)(gui)(gui)模(mo)(mo)較(jiao)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)，同時其抵抗風險(xian)(xian)能(neng)(neng)(neng)力也(ye)(ye)較(jiao)弱，資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)負(fu)債(zhai)表(biao)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)固定(ding)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)占(zhan)比(bi)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)高(gao)(gao)(gao)(gao)，這(zhe)(zhe)(zhe)(zhe)與(yu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)創(chuang)立意(yi)圖有(you)(you)(you)關(guan)(guan)(guan)(guan)。而(er)(er)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)有(you)(you)(you)集體企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)、聯營(ying)(ying)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)、私(si)營(ying)(ying)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)、股份合作企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)等(deng)形(xing)式(shi)，組織(zhi)規(gui)(gui)(gui)模(mo)(mo)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)，形(xing)成中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)“小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)而(er)(er)雜”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)現(xian)象(xiang)(xiang)。因此(ci)(ci)(ci)，從(cong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)規(gui)(gui)(gui)模(mo)(mo)、經(jing)(jing)營(ying)(ying)規(gui)(gui)(gui)模(mo)(mo)可以看出(chu)，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)普遍(bian)規(gui)(gui)(gui)模(mo)(mo)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)而(er)(er)競爭能(neng)(neng)(neng)力不(bu)(bu)(bu)(bu)(bu)(bu)(bu)強。（2）內(nei)部(bu)管(guan)(guan)理(li)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)科學(xue)，信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)透明(ming)度不(bu)(bu)(bu)(bu)(bu)(bu)(bu)高(gao)(gao)(gao)(gao)我(wo)國(guo)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)集體企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)、私(si)營(ying)(ying)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)等(deng)，絕(jue)大(da)(da)部(bu)分(fen)屬于(yu)(yu)(yu)(yu)(yu)家族(zu)式(shi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，故企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)內(nei)部(bu)管(guan)(guan)理(li)人員之間(jian)(jian)(jian)存(cun)(cun)(cun)(cun)在(zai)(zai)著一(yi)(yi)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)親緣關(guan)(guan)(guan)(guan)系(xi)，這(zhe)(zhe)(zhe)(zhe)也(ye)(ye)就(jiu)(jiu)注定(ding)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)內(nei)部(bu)管(guan)(guan)理(li)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)能(neng)(neng)(neng)絕(jue)對(dui)(dui)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)科學(xue)化(hua)，企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)經(jing)(jing)營(ying)(ying)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)時也(ye)(ye)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)能(neng)(neng)(neng)做到(dao)(dao)完(wan)全的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)公私(si)分(fen)明(ming)。正(zheng)是(shi)(shi)(shi)(shi)(shi)這(zhe)(zhe)(zhe)(zhe)種(zhong)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)所(suo)有(you)(you)(you)權(quan)與(yu)經(jing)(jing)營(ying)(ying)權(quan)相(xiang)混(hun)合的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)內(nei)部(bu)管(guan)(guan)理(li)制(zhi)(zhi)度，企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)相(xiang)關(guan)(guan)(guan)(guan)決(jue)(jue)策(ce)往(wang)往(wang)比(bi)較(jiao)隱(yin)蔽，相(xiang)關(guan)(guan)(guan)(guan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)營(ying)(ying)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)也(ye)(ye)沒(mei)有(you)(you)(you)得(de)(de)到(dao)(dao)正(zheng)規(gui)(gui)(gui)披(pi)露，投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)者(zhe)和(he)(he)(he)(he)(he)(he)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)者(zhe)均(jun)無法從(cong)相(xiang)關(guan)(guan)(guan)(guan)渠道(dao)獲得(de)(de)關(guan)(guan)(guan)(guan)于(yu)(yu)(yu)(yu)(yu)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)充(chong)足(zu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，而(er)(er)對(dui)(dui)于(yu)(yu)(yu)(yu)(yu)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)單(dan)方(fang)(fang)面提(ti)(ti)供(gong)(gong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)方(fang)(fang)和(he)(he)(he)(he)(he)(he)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)方(fang)(fang)均(jun)也(ye)(ye)持有(you)(you)(you)一(yi)(yi)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)懷疑態度。可見，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)內(nei)部(bu)管(guan)(guan)理(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)科學(xue)、信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)披(pi)露制(zhi)(zhi)度的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)完(wan)善(shan)，形(xing)成中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)高(gao)(gao)(gao)(gao)風險(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)形(xing)象(xiang)(xiang)，阻礙(ai)了(le)(le)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)之路。（3）財(cai)務(wu)制(zhi)(zhi)度不(bu)(bu)(bu)(bu)(bu)(bu)(bu)健(jian)全，信(xin)(xin)(xin)用(yong)(yong)等(deng)級(ji)低目前(qian)，絕(jue)大(da)(da)部(bu)分(fen)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)為(wei)(wei)(wei)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)規(gui)(gui)(gui)模(mo)(mo)納稅(shui)人，不(bu)(bu)(bu)(bu)(bu)(bu)(bu)僅(jin)(jin)是(shi)(shi)(shi)(shi)(shi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)盈利能(neng)(neng)(neng)力達不(bu)(bu)(bu)(bu)(bu)(bu)(bu)到(dao)(dao)要(yao)(yao)(yao)求(qiu)，最主(zhu)要(yao)(yao)(yao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)(shi)(shi)(shi)，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)普遍(bian)存(cun)(cun)(cun)(cun)在(zai)(zai)財(cai)務(wu)制(zhi)(zhi)度不(bu)(bu)(bu)(bu)(bu)(bu)(bu)健(jian)全的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)問(wen)(wen)題，在(zai)(zai)財(cai)稅(shui)規(gui)(gui)(gui)劃和(he)(he)(he)(he)(he)(he)債(zhai)務(wu)風險(xian)(xian)方(fang)(fang)面不(bu)(bu)(bu)(bu)(bu)(bu)(bu)夠(gou)(gou)重視，在(zai)(zai)激烈的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)市(shi)場競爭下(xia)(xia)，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)明(ming)顯(xian)缺(que)(que)乏長遠(yuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)打算(suan)而(er)(er)僅(jin)(jin)僅(jin)(jin)追(zhui)逐眼(yan)前(qian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)利益，企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)展(zhan)(zhan)前(qian)景不(bu)(bu)(bu)(bu)(bu)(bu)(bu)樂觀。而(er)(er)在(zai)(zai)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)財(cai)稅(shui)和(he)(he)(he)(he)(he)(he)違約(yue)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)上給投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)者(zhe)留下(xia)(xia)信(xin)(xin)(xin)用(yong)(yong)低的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)表(biao)面形(xing)象(xiang)(xiang)，一(yi)(yi)方(fang)(fang)面，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)存(cun)(cun)(cun)(cun)在(zai)(zai)偷漏稅(shui)現(xian)象(xiang)(xiang)，部(bu)分(fen)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)渾水摸魚(yu)，利用(yong)(yong)財(cai)務(wu)制(zhi)(zhi)度上的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)健(jian)全肆意(yi)制(zhi)(zhi)造假賬進而(er)(er)偷稅(shui)、漏稅(shui)，這(zhe)(zhe)(zhe)(zhe)給金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)機構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)行(xing)(xing)(xing)(xing)為(wei)(wei)(wei)帶來(lai)極大(da)(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風險(xian)(xian)。另(ling)一(yi)(yi)方(fang)(fang)面，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)違約(yue)率(lv)(lv)高(gao)(gao)(gao)(gao)，部(bu)分(fen)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)存(cun)(cun)(cun)(cun)在(zai)(zai)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)挪(nuo)為(wei)(wei)(wei)他用(yong)(yong)現(xian)象(xiang)(xiang)，而(er)(er)且破(po)產(chan)(chan)、倒閉的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)概率(lv)(lv)明(ming)顯(xian)高(gao)(gao)(gao)(gao)于(yu)(yu)(yu)(yu)(yu)大(da)(da)型(xing)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，如此(ci)(ci)(ci)一(yi)(yi)來(lai)，資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)放(fang)(fang)方(fang)(fang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)良貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)率(lv)(lv)提(ti)(ti)高(gao)(gao)(gao)(gao)。因此(ci)(ci)(ci)，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)普遍(bian)印象(xiang)(xiang)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)佳，在(zai)(zai)進行(xing)(xing)(xing)(xing)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)時，貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)放(fang)(fang)方(fang)(fang)容(rong)易形(xing)成“不(bu)(bu)(bu)(bu)(bu)(bu)(bu)敢(gan)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)、不(bu)(bu)(bu)(bu)(bu)(bu)(bu)愿貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)現(xian)象(xiang)(xiang)。2.銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)難我(wo)國(guo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)類型(xing)繁(fan)多，大(da)(da)致可分(fen)為(wei)(wei)(wei)大(da)(da)型(xing)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)和(he)(he)(he)(he)(he)(he)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)，大(da)(da)型(xing)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)以我(wo)國(guo)五大(da)(da)行(xing)(xing)(xing)(xing)為(wei)(wei)(wei)主(zhu)要(yao)(yao)(yao)，具有(you)(you)(you)雄(xiong)厚的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)(ben)負(fu)債(zhai)規(gui)(gui)(gui)模(mo)(mo)，同時其資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)(ben)端(duan)主(zhu)要(yao)(yao)(yao)是(shi)(shi)(shi)(shi)(shi)服務(wu)于(yu)(yu)(yu)(yu)(yu)大(da)(da)型(xing)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，這(zhe)(zhe)(zhe)(zhe)是(shi)(shi)(shi)(shi)(shi)因為(wei)(wei)(wei)大(da)(da)型(xing)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)具有(you)(you)(you)相(xiang)對(dui)(dui)較(jiao)高(gao)(gao)(gao)(gao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)門(men)檻(jian)，貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)前(qian)需(xu)要(yao)(yao)(yao)對(dui)(dui)相(xiang)關(guan)(guan)(guan)(guan)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)進行(xing)(xing)(xing)(xing)嚴格的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)審(shen)查(cha)和(he)(he)(he)(he)(he)(he)評級(ji)，而(er)(er)我(wo)國(guo)大(da)(da)部(bu)分(fen)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)是(shi)(shi)(shi)(shi)(shi)達不(bu)(bu)(bu)(bu)(bu)(bu)(bu)到(dao)(dao)其貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)門(men)檻(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。另(ling)外為(wei)(wei)(wei)了(le)(le)控制(zhi)(zhi)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)放(fang)(fang)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風險(xian)(xian)，往(wang)往(wang)要(yao)(yao)(yao)求(qiu)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)提(ti)(ti)供(gong)(gong)相(xiang)關(guan)(guan)(guan)(guan)有(you)(you)(you)形(xing)抵押或(huo)者(zhe)提(ti)(ti)供(gong)(gong)擔(dan)(dan)(dan)保(bao)(bao)(bao)，這(zhe)(zhe)(zhe)(zhe)也(ye)(ye)正(zheng)是(shi)(shi)(shi)(shi)(shi)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)所(suo)缺(que)(que)乏的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，因此(ci)(ci)(ci)，大(da)(da)型(xing)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)對(dui)(dui)于(yu)(yu)(yu)(yu)(yu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)放(fang)(fang)率(lv)(lv)并(bing)(bing)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)高(gao)(gao)(gao)(gao)。而(er)(er)相(xiang)反，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)更具有(you)(you)(you)服務(wu)于(yu)(yu)(yu)(yu)(yu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)優勢，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)受(shou)(shou)制(zhi)(zhi)于(yu)(yu)(yu)(yu)(yu)自(zi)身資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)源(yuan)、規(gui)(gui)(gui)模(mo)(mo)和(he)(he)(he)(he)(he)(he)信(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)水平，往(wang)往(wang)無法滿足(zu)大(da)(da)型(xing)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)需(xu)求(qiu)，更愿意(yi)深(shen)耕于(yu)(yu)(yu)(yu)(yu)地(di)方(fang)(fang)，支持地(di)方(fang)(fang)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)型(xing)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)、微型(xing)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)和(he)(he)(he)(he)(he)(he)民營(ying)(ying)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)展(zhan)(zhan)。因此(ci)(ci)(ci)，研(yan)究中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)難題更應該關(guan)(guan)(guan)(guan)注中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)，尤(you)其是(shi)(shi)(shi)(shi)(shi)區域(yu)性(xing)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)展(zhan)(zhan)。然(ran)(ran)而(er)(er)，我(wo)國(guo)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)目前(qian)也(ye)(ye)面臨著生存(cun)(cun)(cun)(cun)困境(jing)，在(zai)(zai)一(yi)(yi)定(ding)程度上制(zhi)(zhi)約(yue)了(le)(le)其對(dui)(dui)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)投(tou)放(fang)(fang)。2017年的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)監(jian)(jian)(jian)管(guan)(guan)加(jia)強之后(hou)，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)在(zai)(zai)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)端(duan)和(he)(he)(he)(he)(he)(he)負(fu)債(zhai)端(duan)均(jun)受(shou)(shou)到(dao)(dao)一(yi)(yi)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)沖擊。2018年中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)央銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)實行(xing)(xing)(xing)(xing)四次降(jiang)準，意(yi)在(zai)(zai)提(ti)(ti)供(gong)(gong)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)(ben)流動(dong)性(xing)，從(cong)而(er)(er)提(ti)(ti)高(gao)(gao)(gao)(gao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)放(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)意(yi)愿。然(ran)(ran)而(er)(er)，自(zi)2017年銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)“三(san)三(san)四”檢查(cha)開始，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)內(nei)部(bu)隱(yin)藏(zang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)良貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)被真(zhen)實披(pi)露出(chu)來(lai)，而(er)(er)2018年中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)經(jing)(jing)濟下(xia)(xia)行(xing)(xing)(xing)(xing)壓力加(jia)大(da)(da)，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)在(zai)(zai)經(jing)(jing)濟波動(dong)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)生存(cun)(cun)(cun)(cun)壓力增加(jia)，新(xin)增的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)良貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)率(lv)(lv)加(jia)大(da)(da)，進而(er)(er)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)良貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)率(lv)(lv)逼近(jin)監(jian)(jian)(jian)管(guan)(guan)紅(hong)線，使得(de)(de)這(zhe)(zhe)(zhe)(zhe)些(xie)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)敢(gan)進行(xing)(xing)(xing)(xing)放(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)活動(dong)。而(er)(er)負(fu)債(zhai)端(duan)，受(shou)(shou)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)監(jian)(jian)(jian)管(guan)(guan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)影響，貨(huo)幣創(chuang)造緊(jin)縮，社(she)會整體存(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)存(cun)(cun)(cun)(cun)量(liang)減少，而(er)(er)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)因為(wei)(wei)(wei)客戶基礎、技術(shu)等(deng)方(fang)(fang)面的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)限制(zhi)(zhi)，吸收存(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)能(neng)(neng)(neng)力下(xia)(xia)降(jiang)；其次，受(shou)(shou)同業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)監(jian)(jian)(jian)管(guan)(guan)緊(jin)縮的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)影響，來(lai)自(zi)于(yu)(yu)(yu)(yu)(yu)同業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)明(ming)顯(xian)受(shou)(shou)限；再者(zhe)，理(li)財(cai)新(xin)規(gui)(gui)(gui)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)出(chu)臺(tai)，堵(du)住了(le)(le)大(da)(da)量(liang)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)發(fa)(fa)(fa)行(xing)(xing)(xing)(xing)結構(gou)性(xing)存(cun)(cun)(cun)(cun)款(kuan)(kuan)(kuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)途(tu)(tu)徑。因此(ci)(ci)(ci)，雖(sui)然(ran)(ran)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)承(cheng)(cheng)擔(dan)(dan)(dan)了(le)(le)絕(jue)大(da)(da)部(bu)分(fen)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)投(tou)放(fang)(fang)方(fang)(fang)，但是(shi)(shi)(shi)(shi)(shi)因其資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)本(ben)(ben)(ben)(ben)補充(chong)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)足(zu)，放(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)意(yi)愿不(bu)(bu)(bu)(bu)(bu)(bu)(bu)強，直接制(zhi)(zhi)約(yue)了(le)(le)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)途(tu)(tu)徑和(he)(he)(he)(he)(he)(he)規(gui)(gui)(gui)模(mo)(mo)。3.民間(jian)(jian)(jian)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)健(jian)康發(fa)(fa)(fa)展(zhan)(zhan)民間(jian)(jian)(jian)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)健(jian)康發(fa)(fa)(fa)展(zhan)(zhan)，主(zhu)要(yao)(yao)(yao)由于(yu)(yu)(yu)(yu)(yu)國(guo)有(you)(you)(you)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)壟(long)斷壓縮了(le)(le)民間(jian)(jian)(jian)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)發(fa)(fa)(fa)展(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)空間(jian)(jian)(jian)，同時缺(que)(que)乏政(zheng)策(ce)和(he)(he)(he)(he)(he)(he)法律(lv)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)規(gui)(gui)(gui)范、引導(dao)和(he)(he)(he)(he)(he)(he)支持。“金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)體系(xi)民營(ying)(ying)化(hua)、民間(jian)(jian)(jian)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)法制(zhi)(zhi)化(hua)”是(shi)(shi)(shi)(shi)(shi)未來(lai)發(fa)(fa)(fa)展(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)必然(ran)(ran)趨勢，這(zhe)(zhe)(zhe)(zhe)有(you)(you)(you)利于(yu)(yu)(yu)(yu)(yu)優化(hua)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)體系(xi)結構(gou)，提(ti)(ti)高(gao)(gao)(gao)(gao)社(she)會資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)源(yuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)配置(zhi)效(xiao)率(lv)(lv)，同時能(neng)(neng)(neng)夠(gou)(gou)保(bao)(bao)(bao)證民營(ying)(ying)經(jing)(jing)濟的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)持續(xu)健(jian)康發(fa)(fa)(fa)展(zhan)(zhan)，也(ye)(ye)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)失(shi)為(wei)(wei)(wei)解決(jue)(jue)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)問(wen)(wen)題的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)途(tu)(tu)徑之一(yi)(yi)。因此(ci)(ci)(ci)，現(xian)今民間(jian)(jian)(jian)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)得(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)到(dao)(dao)健(jian)康的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)展(zhan)(zhan)，是(shi)(shi)(shi)(shi)(shi)制(zhi)(zhi)約(yue)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)(yi)大(da)(da)因素。4.擔(dan)(dan)(dan)保(bao)(bao)(bao)體系(xi)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)健(jian)全在(zai)(zai)實際(ji)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)過程中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)，由于(yu)(yu)(yu)(yu)(yu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)自(zi)身內(nei)部(bu)結構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)完(wan)善(shan)、企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)管(guan)(guan)理(li)素質水平相(xiang)對(dui)(dui)低、企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)經(jing)(jing)營(ying)(ying)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)透明(ming)度不(bu)(bu)(bu)(bu)(bu)(bu)(bu)高(gao)(gao)(gao)(gao)等(deng)，金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)機構(gou)考慮于(yu)(yu)(yu)(yu)(yu)自(zi)身投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風險(xian)(xian)，往(wang)往(wang)要(yao)(yao)(yao)求(qiu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)提(ti)(ti)供(gong)(gong)有(you)(you)(you)力的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)擔(dan)(dan)(dan)保(bao)(bao)(bao)，而(er)(er)一(yi)(yi)個(ge)完(wan)備的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)擔(dan)(dan)(dan)保(bao)(bao)(bao)市(shi)場能(neng)(neng)(neng)夠(gou)(gou)很好(hao)地(di)解決(jue)(jue)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)借(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)雙方(fang)(fang)由于(yu)(yu)(yu)(yu)(yu)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)對(dui)(dui)稱(cheng)而(er)(er)帶來(lai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)必要(yao)(yao)(yao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)借(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)成本(ben)(ben)(ben)(ben)和(he)(he)(he)(he)(he)(he)逆向選擇、道(dao)德風險(xian)(xian)，能(neng)(neng)(neng)夠(gou)(gou)分(fen)散風險(xian)(xian)、彌(mi)補市(shi)場失(shi)靈，解決(jue)(jue)好(hao)擔(dan)(dan)(dan)保(bao)(bao)(bao)問(wen)(wen)題也(ye)(ye)是(shi)(shi)(shi)(shi)(shi)解決(jue)(jue)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)難問(wen)(wen)題的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)(yi)個(ge)途(tu)(tu)徑。擔(dan)(dan)(dan)保(bao)(bao)(bao)機構(gou)承(cheng)(cheng)擔(dan)(dan)(dan)著銀(yin)(yin)(yin)(yin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)之間(jian)(jian)(jian)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)橋梁，自(zi)然(ran)(ran)是(shi)(shi)(shi)(shi)(shi)要(yao)(yao)(yao)保(bao)(bao)(bao)證融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)雙方(fang)(fang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)可靠(kao)性(xing)，需(xu)要(yao)(yao)(yao)提(ti)(ti)前(qian)了(le)(le)解各方(fang)(fang)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，特別是(shi)(shi)(shi)(shi)(shi)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)各方(fang)(fang)面信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，這(zhe)(zhe)(zhe)(zhe)種(zhong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)收集成本(ben)(ben)(ben)(ben)轉變成了(le)(le)擔(dan)(dan)(dan)保(bao)(bao)(bao)機構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)成本(ben)(ben)(ben)(ben)。另(ling)一(yi)(yi)方(fang)(fang)面，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)本(ben)(ben)(ben)(ben)身的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)治(zhi)理(li)結構(gou)與(yu)財(cai)務(wu)治(zhi)理(li)并(bing)(bing)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)規(gui)(gui)(gui)范，盈利能(neng)(neng)(neng)力也(ye)(ye)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)強，還(huan)款(kuan)(kuan)(kuan)能(neng)(neng)(neng)力也(ye)(ye)是(shi)(shi)(shi)(shi)(shi)有(you)(you)(you)待考量(liang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，那么，這(zhe)(zhe)(zhe)(zhe)種(zhong)風險(xian)(xian)自(zi)然(ran)(ran)就(jiu)(jiu)由擔(dan)(dan)(dan)保(bao)(bao)(bao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)承(cheng)(cheng)擔(dan)(dan)(dan)，這(zhe)(zhe)(zhe)(zhe)也(ye)(ye)是(shi)(shi)(shi)(shi)(shi)一(yi)(yi)種(zhong)成本(ben)(ben)(ben)(ben)。三(san)是(shi)(shi)(shi)(shi)(shi)擔(dan)(dan)(dan)保(bao)(bao)(bao)種(zhong)類單(dan)一(yi)(yi)。因此(ci)(ci)(ci)擔(dan)(dan)(dan)保(bao)(bao)(bao)難問(wen)(wen)題得(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)到(dao)(dao)很好(hao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)解決(jue)(jue)，也(ye)(ye)就(jiu)(jiu)阻礙(ai)了(le)(le)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)向正(zheng)規(gui)(gui)(gui)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)機構(gou)進行(xing)(xing)(xing)(xing)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)途(tu)(tu)徑，融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)難融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)貴問(wen)(wen)題得(de)(de)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)到(dao)(dao)突(tu)破(po)性(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)解決(jue)(jue)。

四、解決中小企業融資問題的對策

1.加(jia)強(qiang)(qiang)企(qi)業(ye)(ye)自(zi)(zi)身競爭能(neng)(neng)力(li)，樹(shu)立良好(hao)形(xing)(xing)象(xiang)在(zai)不(bu)(bu)斷發展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)市(shi)場(chang)經(jing)(jing)濟(ji)(ji)環境(jing)下，中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)業(ye)(ye)必須要(yao)(yao)緊跟時(shi)(shi)代(dai)潮流，不(bu)(bu)斷增強(qiang)(qiang)自(zi)(zi)身的(de)(de)(de)(de)(de)(de)(de)(de)市(shi)場(chang)競爭能(neng)(neng)力(li)。一(yi)是(shi)(shi)創新(xin)和(he)(he)發展(zhan)(zhan)(zhan)科學的(de)(de)(de)(de)(de)(de)(de)(de)內(nei)(nei)部管(guan)(guan)理(li)制(zhi)(zhi)(zhi)(zhi)度(du)，聘用高(gao)(gao)(gao)科技人才(cai)，優化內(nei)(nei)部管(guan)(guan)理(li)，從(cong)根(gen)本上(shang)縮短生產(chan)周期，提(ti)高(gao)(gao)(gao)生產(chan)效率，減少生產(chan)成(cheng)(cheng)(cheng)本而(er)提(ti)升(sheng)盈利(li)水(shui)平。二是(shi)(shi)加(jia)強(qiang)(qiang)信(xin)用建設(she)，遵紀守法(fa)(fa)，不(bu)(bu)造(zao)假(jia)(jia)制(zhi)(zhi)(zhi)(zhi)假(jia)(jia)，不(bu)(bu)虛報數(shu)據，建立健全的(de)(de)(de)(de)(de)(de)(de)(de)信(xin)息(xi)披(pi)露機(ji)(ji)(ji)制(zhi)(zhi)(zhi)(zhi)，適當提(ti)高(gao)(gao)(gao)企(qi)業(ye)(ye)信(xin)息(xi)透明度(du)，提(ti)高(gao)(gao)(gao)企(qi)業(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)知名度(du)和(he)(he)信(xin)用度(du)。三是(shi)(shi)完(wan)(wan)善企(qi)業(ye)(ye)財務管(guan)(guan)理(li)制(zhi)(zhi)(zhi)(zhi)度(du)，制(zhi)(zhi)(zhi)(zhi)定正(zheng)(zheng)確的(de)(de)(de)(de)(de)(de)(de)(de)有(you)前瞻性的(de)(de)(de)(de)(de)(de)(de)(de)財務政策(ce)，不(bu)(bu)擅自(zi)(zi)違規(gui)(gui)(gui)挪用貸款(kuan)金(jin)(jin)(jin)(jin)(jin)(jin)，不(bu)(bu)惡意違約(yue)，偷稅漏稅，同(tong)時(shi)(shi)使(shi)出納與(yu)會計(ji)人員分(fen)(fen)離，保(bao)(bao)(bao)證企(qi)業(ye)(ye)財務清晰。這(zhe)(zhe)樣，才(cai)能(neng)(neng)在(zai)外(wai)部市(shi)場(chang)變好(hao)的(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)下抓住(zhu)機(ji)(ji)(ji)遇而(er)緩解(jie)(jie)企(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)問(wen)題(ti)(ti)。2.緩解(jie)(jie)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)行(xing)(xing)(xing)困(kun)(kun)境(jing)，提(ti)高(gao)(gao)(gao)放(fang)貸意愿(yuan)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)行(xing)(xing)(xing)在(zai)解(jie)(jie)決(jue)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)問(wen)題(ti)(ti)上(shang)更具針對(dui)(dui)性和(he)(he)可行(xing)(xing)(xing)性，緩解(jie)(jie)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)行(xing)(xing)(xing)生存困(kun)(kun)境(jing)，鼓勵其(qi)(qi)對(dui)(dui)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)業(ye)(ye)進行(xing)(xing)(xing)信(xin)貸投放(fang)，有(you)利(li)解(jie)(jie)決(jue)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)問(wen)題(ti)(ti)。首先(xian)在(zai)推動(dong)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)行(xing)(xing)(xing)回歸本源的(de)(de)(de)(de)(de)(de)(de)(de)基礎(chu)上(shang)，應(ying)該進一(yi)步加(jia)強(qiang)(qiang)貨幣政策(ce)對(dui)(dui)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)型銀(yin)(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)支(zhi)持(chi)力(li)度(du)，保(bao)(bao)(bao)證中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)行(xing)(xing)(xing)內(nei)(nei)部資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)充分(fen)(fen)流動(dong)性，落實(shi)普惠金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)定向(xiang)降準。其(qi)(qi)次適度(du)擴(kuo)大對(dui)(dui)商(shang)業(ye)(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)不(bu)(bu)良貸款(kuan)的(de)(de)(de)(de)(de)(de)(de)(de)容忍度(du)，改革(ge)不(bu)(bu)良貸款(kuan)考核機(ji)(ji)(ji)制(zhi)(zhi)(zhi)(zhi)，提(ti)高(gao)(gao)(gao)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)行(xing)(xing)(xing)信(xin)貸業(ye)(ye)務的(de)(de)(de)(de)(de)(de)(de)(de)積極性。最后，鼓勵商(shang)業(ye)(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)繼續創新(xin)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)本補充工具，拓寬銀(yin)(yin)(yin)行(xing)(xing)(xing)籌集資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)渠道，進而(er)自(zi)(zi)我(wo)補足內(nei)(nei)部可貸資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)。商(shang)業(ye)(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)作為(wei)具有(you)法(fa)(fa)律(lv)規(gui)(gui)(gui)范和(he)(he)保(bao)(bao)(bao)護(hu)的(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)，中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)健康發展(zhan)(zhan)(zhan)不(bu)(bu)僅能(neng)(neng)夠緩解(jie)(jie)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)困(kun)(kun)境(jing)，還能(neng)(neng)肅清借(jie)貸市(shi)場(chang)的(de)(de)(de)(de)(de)(de)(de)(de)魚(yu)龍(long)混(hun)雜的(de)(de)(de)(de)(de)(de)(de)(de)局面。3.規(gui)(gui)(gui)范民(min)(min)(min)間(jian)(jian)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)，擇優發展(zhan)(zhan)(zhan)成(cheng)(cheng)(cheng)民(min)(min)(min)營銀(yin)(yin)(yin)行(xing)(xing)(xing)首先(xian)是(shi)(shi)要(yao)(yao)摸(mo)清民(min)(min)(min)間(jian)(jian)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)，區(qu)別對(dui)(dui)待(dai)，良好(hao)的(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)應(ying)該“轉入地上(shang)”，發展(zhan)(zhan)(zhan)成(cheng)(cheng)(cheng)民(min)(min)(min)營銀(yin)(yin)(yin)行(xing)(xing)(xing)和(he)(he)合(he)法(fa)(fa)的(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)，并(bing)納入金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)監(jian)管(guan)(guan)體系(xi)，給予法(fa)(fa)律(lv)上(shang)的(de)(de)(de)(de)(de)(de)(de)(de)地位和(he)(he)認可，并(bing)規(gui)(gui)(gui)范其(qi)(qi)行(xing)(xing)(xing)為(wei)同(tong)時(shi)(shi)提(ti)供(gong)支(zhi)持(chi)；但(dan)對(dui)(dui)于仍然處(chu)于地下狀態(tai)的(de)(de)(de)(de)(de)(de)(de)(de)民(min)(min)(min)間(jian)(jian)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)，是(shi)(shi)默許態(tai)度(du)或者是(shi)(shi)依(yi)法(fa)(fa)取締，也(ye)(ye)是(shi)(shi)要(yao)(yao)分(fen)(fen)類(lei)對(dui)(dui)待(dai)的(de)(de)(de)(de)(de)(de)(de)(de)。民(min)(min)(min)間(jian)(jian)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)法(fa)(fa)制(zhi)(zhi)(zhi)(zhi)化管(guan)(guan)理(li)是(shi)(shi)未來的(de)(de)(de)(de)(de)(de)(de)(de)必然趨勢，合(he)理(li)妥當的(de)(de)(de)(de)(de)(de)(de)(de)管(guan)(guan)理(li)民(min)(min)(min)間(jian)(jian)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)可以(yi)(yi)極大地彌補市(shi)場(chang)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)缺(que)口。其(qi)(qi)次，要(yao)(yao)發展(zhan)(zhan)(zhan)民(min)(min)(min)間(jian)(jian)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)監(jian)管(guan)(guan)體系(xi)，盡管(guan)(guan)有(you)些地方(fang)的(de)(de)(de)(de)(de)(de)(de)(de)民(min)(min)(min)間(jian)(jian)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)已經(jing)(jing)形(xing)(xing)成(cheng)(cheng)(cheng)了一(yi)套“合(he)法(fa)(fa)的(de)(de)(de)(de)(de)(de)(de)(de)”自(zi)(zi)我(wo)管(guan)(guan)理(li)體系(xi)，但(dan)是(shi)(shi)仍然沒有(you)正(zheng)(zheng)規(gui)(gui)(gui)的(de)(de)(de)(de)(de)(de)(de)(de)法(fa)(fa)律(lv)保(bao)(bao)(bao)障，這(zhe)(zhe)就使(shi)得(de)法(fa)(fa)理(li)規(gui)(gui)(gui)章與(yu)經(jing)(jing)濟(ji)(ji)實(shi)際(ji)不(bu)(bu)相符，十分(fen)(fen)不(bu)(bu)利(li)于經(jing)(jing)濟(ji)(ji)的(de)(de)(de)(de)(de)(de)(de)(de)健康發展(zhan)(zhan)(zhan)。規(gui)(gui)(gui)范民(min)(min)(min)間(jian)(jian)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)，讓其(qi)(qi)保(bao)(bao)(bao)持(chi)優勢而(er)健康發展(zhan)(zhan)(zhan)，相關民(min)(min)(min)營銀(yin)(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)建立，有(you)利(li)于激(ji)(ji)發民(min)(min)(min)間(jian)(jian)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)發展(zhan)(zhan)(zhan)動(dong)力(li)，充當著(zhu)正(zheng)(zheng)規(gui)(gui)(gui)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)補充者的(de)(de)(de)(de)(de)(de)(de)(de)角色，同(tong)時(shi)(shi)也(ye)(ye)利(li)于政府監(jian)管(guan)(guan)。而(er)對(dui)(dui)于中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)業(ye)(ye)來說(shuo)，這(zhe)(zhe)無疑不(bu)(bu)是(shi)(shi)一(yi)個(ge)利(li)好(hao)，得(de)到一(yi)個(ge)極具針對(dui)(dui)性的(de)(de)(de)(de)(de)(de)(de)(de)合(he)法(fa)(fa)的(de)(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)渠道。4.完(wan)(wan)善融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)體系(xi)，鼓勵商(shang)業(ye)(ye)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)發展(zhan)(zhan)(zhan)處(chu)理(li)好(hao)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)問(wen)題(ti)(ti)，可以(yi)(yi)有(you)助(zhu)于中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)業(ye)(ye)突破融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)瓶(ping)頸。首先(xian)是(shi)(shi)健全我(wo)國(guo)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)的(de)(de)(de)(de)(de)(de)(de)(de)法(fa)(fa)律(lv)法(fa)(fa)規(gui)(gui)(gui)，無規(gui)(gui)(gui)矩(ju)不(bu)(bu)成(cheng)(cheng)(cheng)方(fang)圓(yuan)，安全可靠的(de)(de)(de)(de)(de)(de)(de)(de)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)法(fa)(fa)律(lv)規(gui)(gui)(gui)范是(shi)(shi)科學融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)活(huo)動(dong)的(de)(de)(de)(de)(de)(de)(de)(de)基礎(chu)和(he)(he)保(bao)(bao)(bao)障，應(ying)積極借(jie)鑒國(guo)外(wai)成(cheng)(cheng)(cheng)熟(shu)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)體系(xi)的(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)驗，不(bu)(bu)斷突破創新(xin)，同(tong)時(shi)(shi)要(yao)(yao)發展(zhan)(zhan)(zhan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)(ji)制(zhi)(zhi)(zhi)(zhi)法(fa)(fa)律(lv)監(jian)管(guan)(guan)體系(xi)，強(qiang)(qiang)化多方(fang)面監(jian)管(guan)(guan)機(ji)(ji)(ji)制(zhi)(zhi)(zhi)(zhi)，另外(wai)要(yao)(yao)完(wan)(wan)善融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險(xian)(xian)分(fen)(fen)擔(dan)(dan)(dan)(dan)制(zhi)(zhi)(zhi)(zhi)度(du)，融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)(ji)構(gou)與(yu)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)之間(jian)(jian)要(yao)(yao)風(feng)險(xian)(xian)共(gong)擔(dan)(dan)(dan)(dan)。其(qi)(qi)次，融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)(ji)構(gou)不(bu)(bu)應(ying)永(yong)遠依(yi)賴于政策(ce)性融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)(ji)構(gou)，鼓勵商(shang)業(ye)(ye)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)發展(zhan)(zhan)(zhan)才(cai)是(shi)(shi)長遠之計(ji)。商(shang)業(ye)(ye)擔(dan)(dan)(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)(ji)構(gou)具有(you)專(zhuan)業(ye)(ye)性、廣泛性和(he)(he)靈活(huo)性的(de)(de)(de)(de)(de)(de)(de)(de)特點，可以(yi)(yi)幫助(zhu)更多的(de)(de)(de)(de)(de)(de)(de)(de)需要(yao)(yao)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)援助(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)業(ye)(ye)，還能(neng)(neng)刺激(ji)(ji)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)業(ye)(ye)向(xiang)正(zheng)(zheng)規(gui)(gui)(gui)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)特別是(shi)(shi)商(shang)業(ye)(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)進行(xing)(xing)(xing)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)熱情(qing)與(yu)信(xin)心，改善融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)困(kun)(kun)境(jing)。

五、總結

中(zhong)小企(qi)(qi)業(ye)融(rong)資(zi)難(nan)融(rong)資(zi)貴已經是老生常談的(de)(de)問題，中(zhong)小企(qi)(qi)業(ye)是我(wo)國企(qi)(qi)業(ye)結構中(zhong)重要(yao)的(de)(de)組成部分，其得以穩定發展在一(yi)定程(cheng)度上直接帶動我(wo)國經濟的(de)(de)發展。支(zhi)持和鼓勵中(zhong)小企(qi)(qi)業(ye)突破融(rong)資(zi)瓶頸，走出融(rong)資(zi)困(kun)境(jing)，需要(yao)政府、企(qi)(qi)業(ye)和投(tou)資(zi)者共同努(nu)力，從而(er)使中(zhong)小企(qi)(qi)業(ye)獲得充(chong)足發展資(zi)金，促進我(wo)國社會主義(yi)市場經濟的(de)(de)發展。

作者：王(wang)藝霖 羅麗娟 單位：廣西師范大學