摘要
改革开放以来,市场门槛进一步降低,中小企业数量节节攀升,过多市场进入者的参与加剧了市场的竞争程度。无论是市场消费者还是投资者,都高度关注企业自身综合实力和企业的资源优势,如技术、产品质量、管理能力等,都被认为是影响企业未来发展潜力的重要因素之一。在产品种类高度一致的竞争中,中小企业有较大劣势。而以获取投资收益为主要盈利来源的金融机构更倾向于给予综合实力较强、有稳定资金来源、抗风险能力强、信用评级更高的大型企业或企业集团贷款,这就导致中小企业在获取金融机构的贷款时面临着融资难、融资贵等诸多困难。利率市场化是指全面放开金融机构贷款利率管制,给予金融机构更多的自主经营权,有利于提升融资贷款效率和服务质量,但也可能短期内无法解决资金供需求问题。本文以中小饲料企业为研究对象,通过论述当前中小饲料企业面临的贷款困境,并结合我国利率市场化的背景,分析利率市场化对中小饲料企业带来的积极影响和消极影响,并基于利率市场化背景,提出增强中小饲料企业融资能力的建议,以期为我国饲料企业的稳健发展提供指导。
Since the reform and opening up,the market threshold has been further lowered,the number of small and medium-sized enterprises has been rising,and the participation of too many market entrants has intensified the degree of competition in the market.Both market consumers and investors pay close attention to the comprehensive strength and resource advantages of an enterprise,such as technology,product quality,management ability,etc.,which are considered as one of the important factors for the future development potential of an enterprise.In the competition of highly consistent product categories,smes have a great disadvantage.And to get a return on investment as the main profit source of financial institutions are more inclined to give strong comprehensive strength,has a stable source of funds,strong ability to resist risk,credit rating higher loans to large enterprises or enterprise groups,this leads to small and medium-sized enterprises in obtaining loans of financial institutions is faced with many difficulties,such as financing difficulties,financing you.Interest rate liberalization refers to the comprehensive liberalization of the loan interest rate control of financial institutions,which can give financial institutions more independent management rights and help improve the efficiency of financing and loan and service quality,but may not solve the problem of capital supply and demand in the short term.Based on feed,small and medium enterprises as the research object,through the predicament of loans in the current feed,small and medium enterprises,and combining the background of interest rate marketization in our country,analysis of interest rate marketization of the positive effects and negative effects of feed,small and medium enterprises,and based on the background of interest rate marketization,suggest increase feed,small and medium enterprises financing ability,In order to provide guidance for the steady development of feed enterprises in China.
作者
王丽洁
WANG Lijie(Beijing Information Technology College,Beijing 100016,China)
出处
《中国饲料》
北大核心
2021年第18期69-72,共4页
China Feed
关键词
利率市场化
中小饲料企业
贷款
影响
interest rate liberalization
small and medium-sized feed enterprises
loans
impact
