锡盟小微工业企业融资仍处困境 XiMeng small micro industrial enterprise financing is still place trouble

　　当前，小微工业企业普遍感觉贷款难度依然较大，多数企业对融资渠道及程序了解不足，信贷遇到的主要困难是有效抵押资产不足。

The current,Small micro industrial enterprise is a general sense that the loan is still great difficulty,Most of the enterprise on the financing channel and program understanding shortage,The main credit meet difficulty is effective mortgage assets shortage.

　　小微企业作为经济发展的组成部分，在拉动经济增长、延伸产业链、促进社会就业等方面发挥着积极作用，国家也连续出台了一系列政策措施支持小微企业发展。然而，通过近期对内蒙古自治区锡林郭勒盟130户小微工业企业（其中小型工业企业65户、微型工业企业65户）问卷调查中发现，小微工业企业融资状况尚未明显改善，亟须政策支持。

Small micro enterprise as part of the economic development,In the fuel economic growth/Extension industry chain/To promote the employment play a positive role,Countries also continuous issued a series of policies and measures to support small micro enterprise development.however,Through the recent XiLinGuoLeMeng of Inner Mongolia autonomous region 130 households micro small industrial enterprises(Small industrial enterprises of 65 households/Miniature industrial enterprise 65 households)Questionnaire survey found,Small micro industrial enterprise financing situation has not improved obviously,Underlines the policy support.

　　一是融资需求呈现多样化。问卷调查表明，62.3%的小微企业融资是为补充流动资金不足，21.5%的小微企业融资是为扩大生产经营规模，10.8%小微企业融资是为引进新技术、开展新项目、拓展新市场，5.4%的小微企业融资是为购置固定资产和研发新产品。

One is the financing demand has diversified.Survey shows that,62.3% of the small micro enterprise financing is for added liquidity shortage,21.5% of the small micro enterprise financing is to expand the scale of production and operation,10.8% small micro enterprise financing is for the introduction of new technology/To develop the new project/Expansion into new markets,5.4% of the small micro enterprise financing is for acquisition of fixed assets, and the research and development of new products.

　　二是政策信息获取渠道较为通畅。

The second is policy access to information channels are open.

　　三是在各项小微企业扶持政策中，对融资政策关注度最高。小微企业最关注的三项扶持政策依次为融资政策、税收优惠政策及市场开发政策。调查显示，有70.0%的企业最关注的是融资政策，17.7%的企业最关注税收优惠政策，6.2%的企业最关注市场开发政策，其他6.1%最关注优秀企业支持政策、企业家培训等政策。

The third is in each small micro enterprise support policy,The highest on the financing policy attention.Small micro enterprise most attention in three support policies for financing policy/The preferential tax policy and market development policy.Investigation shows that,70.0% of the enterprise's most concerned is financing policy,17.7% of the enterprise concerned about the most preferential tax policy,6.2% of the enterprise's most concerned about the market development policy,The other 6.1% is the most attention excellent enterprise support policy/Entrepreneurs training policy.

　　四是银行贷款是小微企业融资首选。

Four is a bank loan is small micro enterprise financing preferred.

　　当前小微工业企业融资方面存在的困难有：

The current small micro industrial enterprises in financing difficulties have:

　　普遍资金短缺，有融资需求。问卷调查表明，融资需求额度在10万元以内的小微企业占3.9%，11万元～30万元的占9.4%，31万元～50万元的占14.2%，51万元～100万元的占20.5%，101万元～200万元的占22.1%，200万元以上的占29.9%。

Common fund shortage,With financing demand.Survey shows that,Financing demand line is in 100000 yuan of less than little micro enterprise accounted for 3.9%,110000 yuan to 300000 yuan accounted for 9.4%,310000 yuan to 500000 yuan accounted for 14.2%,510000 yuan to 1 million yuan accounted for 20.5%,1.01 million yuan to 2 million yuan accounted for 22.1%,2 million yuan of above 29.9%.

　　企业普遍感觉当前贷款难度依然较大。多数企业对融资渠道及程序了解不足。有25.4%的小微企业不了解融资渠道及程序，51.5%的企业对融资渠道有一些了解但不了解操作程序。

Enterprise is a general sense that the current loans still have large difficulty.Most of the enterprise on the financing channel and program understanding shortage.25.4% of the small micro enterprise do not understand the financing channels and program,51.5% of the enterprise on the financing channels have some understanding but don't understand operating procedures.

　　信贷遇到的主要困难是有效抵押资产不足。贷款时遇到的主要困难为有效抵押资产不足的小微企业占50.8%，贷款手续烦琐办理困难的占18.5%，银行、信用社资金紧张的占16.2%。找不到担保人及其他方面的占14.5%。

The main credit meet difficulty is effective mortgage assets shortage.The main difficulties in loans for effective mortgage assets shortage of small micro enterprise accounted for 50.8%,Loan procedures loaded down with trivial details to deal with difficult accounts for 18.5%,The bank/Credit cooperatives financial strain of 16.2%.Can't find the guarantor and other aspects of 14.5%.

　　建议从以下几个方面完善小微工业企业的不足：

Suggestions from the following several aspects to improve the deficiency of the small micro industrial enterprises:

　　一是建议政府多措并举，进一步扶持小微企业发展。47.6%的小微企业希望利用政策引导金融机构更多地向小微企业贷款，26.2%的小微企业希望加强政府与小微企业之间的沟通，13.1%的小微企业希望加大对信用担保机构的支持力度，6.9%的小微企业希望政府在招标、采购上向小微企业倾斜，6.2%的小微企业希望建立和完善统一的企业征信体系。

One is to suggest that the government should develop simultaneously,Further support small micro enterprise development.47.6% of the small micro enterprise wants to use policy guide financial institutions to small more micro enterprise loan,26.2% of the small micro enterprise to strengthen government and small micro between enterprise's communication,13.1% of the small micro enterprise hope to strengthen the credit guarantee institution support,6.9% of the small micro enterprise hope the government in the tender/Purchasing to small micro enterprise tilt,6.2% of the small micro enterprise wants to establish and perfect the unified enterprise credit system.

　　二是建议增加信贷投放，降低利率。61.4%的小微企业建议政府通过对小微企业信贷投放量加大，执行利率较低的银行奖励或减税政策缓解“融资难”、“融资贵”，15.8%的小微企业建议政府组织商圈、集群等，推行共保联保措施，12.6%的小微企业建议能够多开立小额贷款公司和村镇银行，10.2%的小微企业建议政府为担保公司注资，扩大担保范围。

The second is suggested adding credit availability,Cut interest rates.61.4% of the small micro enterprise suggest the government through the small micro enterprise credit mechanization increase,Executive with lower interest rates for bank reward or tax cuts ease"Financing difficult"/"Financing your",15.8% of the small micro enterprise suggest the government organization business circle/Cluster and so on,Implement co-insured joint guarantee measures,12.6% of the small micro enterprise Suggestions to open a small loan companies and town bank,10.2% of the small micro enterprise suggest the government as a security company capital injection,Expand the scope of guarantee.

　　三是期盼融资可以快速到位。

The third is looking forward to financing can quickly reach the designated position.

　　(作者单位为中国人民银行锡盟中心支行)

(The author unit for the people's bank of China XiMeng center branch)