【摘要】 调查结果表明,当前洛阳市中小企业普遍存在融资困难、融资成本高、过分依赖银行贷款等问题。形成这些问题的原因有银企之间信息不对称、中小企业信用水平低、中小企业银行贷款利率及附加费用高、中小企业直接融资的条件欠缺等。结合洛阳市现有政策、企业状况及国内金融市场特点,提出建立企业培训平台、充分利用河南省融资对接信息系统平台、建立金融市场信息综合服务系统、充分利用资本市场融资的有利时机、完善中小微企业信贷风险补偿基金管理办法等具体对策建议。更多还原

【Abstract】 The investigation results indicated that at present,the small and medium-sized enterprises in Luoyang have popularly had financing difficulties,and the cost of their financing is high and they excessively depend on bank loans,etc. The causes of these problems are chiefly the asymmetry information exchanges between banks and enterprises,low credit level of the small and medium enterprises,the high interest rates and additional cost of the bank loans and lack of direct financing conditions on the part of SME. This paper,combining the current policies issued by Luoyang government with the status of the enterprises as well as the nation’s domestic financial marketing characteristics,proposes to establish training platform for the enterprises,make full use of Henan provincial financing docking information network,set up an integrated service system for financial market information,make full use of the favorable opportunity of capital market financing and perfect the approaches of credit risk compensation of financing management of the small,micro and medium enterprise and puts forward some other concrete countermeasures.更多还原