中小企业信贷政策传导阻滞的原因与对策

强化对中小企业的信贷投入已成为中央银行货币政策的明显意图。对中小企业在新的信贷资金管理体制下,由于信贷政策传导渠道的变化致使中小企业贷款难的问题,以及中小企业信贷政策传导渠道的障碍进行了分析。从转变观念、建立中小企业担保机构、丰富对中小企业提供贷款的金融机构体系、建立激励与约束相结合的信贷管理体制、强化中央银行对中小金融机构信贷支持和业务指导、建立健全促进中小企业发展的政策法律环境等方面,有针对性地提出了疏通信贷政策传导渠道障碍的对策。

The Credit Policy of Small and Medium-sized Enterprises Conducts the Reason and Countermeasure Blocked

Strengthen credit in small and medium - sized enterprises invest and become Central Bank obvious intention of monetary policy already. Under new credit funds management system, because credit problem loan to small and medium - sized enterprises, and the obstacle of conducting the channel of policy of small and medium - sized enterprises credit has been analysed. From the idea of changing, set up small and meduum - sized enterprises and assure the organization, abundant to the system of financiai institution offering loan of small and medium - sized enterprises, set up and encourage and restrain the credit management system that combined together, Strengthen the Central Bank to credit aid and professional guidance of medium and small financiai institution, set up and amplify the respects, such as policy legal environment which promotes development of small and medium - sized enterprises, etc, have proposed dredging the countermeasure of conducting the channel obstacle of policy of eredit pointedly.