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-文庫吧資料
2025-01-27 00:24本頁面
【正文】 ies, creditors and investors.原文來自羅馬 especially in the young pany, the lack of credit history and guarantees the creditors, and sometimes limits the range of financial products that can be used. The number of surveys, especially the World Bank stressed that the financing is one of the biggest obstacle to good development and growth of the SME. For example, the World Bank in the 20212021 survey found that 31% of the worldwide study of corporate finance is a major obstacle to the current implementation, and even higher proportion of young pany in the 40% of cases up to three years of experience (Chavez, kt Boer and Ireland 2021:1). In addition, a series of global 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 transact
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