环保型中小企业借贷环境分析

发布时间：2018-11-04 13:52

【摘要】：在经济多元发展的新历史阶段,环保型中小型企业作为正在蓬勃发展和活跃市场的重要经济个体,可以优化产业经济结构,推动循环经济发展。本文从软信息与关系型借贷研究入手,针对目前环保型中小企业财务信息不甚清晰、抵抗外界经济冲击能力有限和融资渠道特殊等特点,建立博弈模型,深入分析完全信息和不完全信息条件下,小额贷款公司与环保型中小企业客户之间的借贷关系。通过整体构建基于软信息特征的制度化信用风险控制准则,最终达到合理满足环保型中小企业激增的特殊融资需求。研究结果表明:以关系型借贷理论为依托,为满足各自的市场需求和利益保障,需要充分考虑环保型中小企业贷款客户的各类软信息,建立符合软信息时效性的信贷流程,决策权相对集中的组织结构和面向软信息收集的正向激励机制,从而实现对环保型中小企业客户贷款信用风险的有效控制,最终达到完善区域信用环境、支持中小企业发展和活跃社会主义市场经济的多重目标。
[Abstract]:In the new historical stage of diversified economic development, environmental protection small and medium-sized enterprises (SMEs), as an important economic entity that is booming and active in the market, can optimize the industrial economic structure and promote the development of circular economy. This paper starts with the research of soft information and relational lending, aiming at the characteristics that the financial information of environmental protection SMEs is not very clear, the ability of resisting external economic shock is limited, and the financing channel is special, so the game model is established. Under the condition of complete information and incomplete information, the relationship between microfinance companies and environmental protection SME customers is analyzed. Through the overall construction of the system credit risk control criterion based on the soft information characteristics, the special financing needs of the environmental protection small and medium-sized enterprises can be reasonably met. The results show that, based on the relational lending theory, in order to meet their respective market demand and benefit protection, we need to fully consider all kinds of soft information of SME loan customers, and establish a credit process that accords with the timeliness of soft information. The organization structure with relatively concentrated decision-making power and the positive incentive mechanism oriented to the collection of soft information can effectively control the credit risk of small and medium-sized enterprises in environmental protection, and finally improve the regional credit environment. To support the development of small and medium-sized enterprises and the development of a socialist market economy.
【作者单位】：中南大学商学院;长沙理工大学经管学院;广西大学商学院;
【基金】：世界银行贷款“中国新农村生态家园富民工程”项目 “863”计划重点项目(编号:2009AA06A419) 教育部新世纪优秀人才项目(编号:NCET-09-0226)
【分类号】：F276.3;F224.32;F832.4

【相似文献】