摘要
中小企业融资的困难在于银行资金的安全性和中小企业风险性之间的矛盾,解决这个矛盾有两条路径,一个是风险资金以银行形式向中小企业贷款;另一条路径是通过担保机构过滤风险。由于中小企业的外部性问题,担保机构可由国家财政扶持的中介机构来担当。以这个理论框架作为基础,本文对世界上几个典型的中小企业专业银行进行了全面考察,并对我国商业银行为中小企业贷款的历史和目前成立的科技支行的现状进行了分析,提出了政府的政策性支持和商业银行的商业性融资在中小企业内部结合,而不是在商业银行内部结合的观点,对我国商业银行对中小企业融资和政府对中小企业政策性支持都具有一定的现实意义。
The financing risk of SMEs lies in the contradiction between the security of bank funds and the risks of SMEs. The contradiction has two solutions： one is risky fund loaning to SMEs in the name of banks ; the other is filtrating risks through guarantee organizations. Because of the exterior problems of SMEs, the agencies supported by the state finance can act as the guarantee organizations. Based on this theoretical framework, the author reviews several typical SME banks from all aspects, analyzes the history of Chinese commercial banks providing loans to SMEs and the status quo of the present science and technology branches, and puts forward the point of view that the policy support of the government and the commercial financing of commercial banks should be combined within SMEs instead of within commercial banks, which is of realistic significance to the commercial banks of our country financing to SMEs and the governments＇ policy support of SMEs.
出处
《经济经纬》
CSSCI
北大核心
2010年第2期130-133,共4页
Economic Survey
基金
广东省哲学社会科学基金项目(09E-10)
广州市第20次社会科学研究基金资助项目
关键词
中小企业银行
政策性
商业性
风险
SME bank
policy property
commercial property
risk
