中小企业银行借贷难的原因及对策——基于泰州市的实例分析

摘要

Through questionnaire survey to 66 SMEs and 15 banks in Taizhou, this paper intents to seek the root causes of bank lending difficulties suffering SMEs. The survey finds that high cost and risk are still the main causes of the banks refusing and grudging loans. To solve this problem, it needs the joint effort by government, banks and SMEs to construct an unhindered financing channel.%通过对泰州市66家中小企业，15家银行开展问卷调查，获取第一手资料，试图探寻中小企业银行借贷难的根本原因。调查发现，成本高而风险大依然是银行对中小企业拒贷和惜贷的主要原因。要解决这一问题，政府、银行、中小企业必须共同努力，方能建设一个顺畅的融资渠道。