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1、3.4小結(jié)......................................................................................................................21第四章我國中小企業(yè)信貸融資困境原因調(diào)查.........................................214.1訪談結(jié)果調(diào)查..............................................................................
2、........................224.1.1多數(shù)銀行開展中小型企業(yè)信貸融資業(yè)務(wù)不積極......................................................224.1.2銀行職工對待中小企業(yè)信貸融資業(yè)務(wù)并沒有很大的熱情......................................234.1.3對待中小企業(yè)融資貸款的審批時間長......................................................................244.1.4
3、銀行開展中小企業(yè)信貸融資業(yè)務(wù)的成本和風(fēng)險高..................................................254.1.5中小企業(yè)信息不對稱問題嚴(yán)重..................................................................................254.1.6中小企業(yè)缺乏信用擔(dān)保與抵押物..............................................................................26
4、4.2經(jīng)濟(jì)理論方面調(diào)查..............................................................................................274.2.1制約中小企業(yè)融資的根本.........................................................................................274.2.2從信息經(jīng)濟(jì)學(xué)的角度分析中小企業(yè)的融資約束...................................
5、...................284.2.3中小企業(yè)融資約束供求關(guān)系......................................................................................294.3小結(jié)......................................................................................................................30第五章中國商業(yè)銀行解決中小企業(yè)信貸融資困境的措
6、施.....................315.1出臺相應(yīng)政策方針，大力拓展政府職能..........................................................315.1.1國外政府解決中小企業(yè)融資難經(jīng)驗(yàn)借鑒..................................................................315.1.2我國政府為解決中小企業(yè)融資難應(yīng)采取的措施......................................................3
7、25.2建立健全擔(dān)保征信體系.....................................................................................325.2.1擔(dān)保體系健全化.........................................................................................................325.2.2征信渠道多元化..........................................
8、...............................................................335.3從多方面入手，加強(qiáng)銀行建設(shè).
