中小企業(yè)的融資渠道的領(lǐng)域概述外文翻譯-企業(yè)融資(編輯修改稿)
2025-02-24 00:24 本頁面
【文章內(nèi)容簡介】 l surveys, including the information provided by the World Business Environment Survey show that SME financing transaction costs is the main obstacle to enterprise development. bank financing difficulties and support measures In most countries, especially in countries with bankoriented financial system, the main source of external financing for SMEs by bank loans. Therefore, this type of loan is crucial to the development of SMEs. However, the survey showed, pared to the SMEs and large enterprises are using the new investment in the small extent of bank financing. As we mentioned, the use of financial products is determined by supply and demand. It is therefore important to understand why the SMEs use bank financing to a small extent only. In this regard, some studies (Banerjee and Duflo: 2021) has shown that the main reason for the supply, because every time when SMEs are able to obtain loans, they use it to increase production. This behavior is more proof of financing is an important factor in the development of enterprises. In addition, in the context of the current global financial crisis, the declining availability of bank loans and limited financing opportunities for SMEs. Therefore, it is the main problem facing small and medium enterprises. October 29, 2021, this survey of SMEs in Romania highlights the main problems faced by SMEs and banks. Therefore, 82% of the interviewed entrepreneurs obtain bank financing is very difficult, mainly because of excessive bureaucracy, unreasonable high demand, high interest rates, rigid bank credit indicators, as well as many types of mission and expenses. In addition, more than 61% of SME entrepreneurs and managers reporting banks lack of transparency (hidden costs, lack of munication channels, etc.), there is no real consultation (using the standard contract, the bank refused to modify or plete the credit contract, etc.) and banks do not legitimate or misuse of the terms of the contract (for example, perform the unauthorized transaction accounts or bank fraud). Understanding this knowledge to take measures to support and promote SME financing. Improve SME financing is still cause for concern, but also national, European and international facing a challenge. For example, in the EU, through the implementation of the new measures established by the Small Business Administration for Europe to improve the financing channels for SMEs, by reducing the return of the structural funds requirements to promote the access of small and medium enterprises, the establishment of the Credit Ombudsman to promote small and mediumsized enterprises and dialogue between the credit institutions, to avoid the do
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