大银行信贷与中小企业融资的适配性问题研究

发布时间：2018-03-01 20:11

本文关键词： 大银行信贷中小企业融资信息传递生命周期　出处：《商业经济与管理》2013年11期 　论文类型：期刊论文

【摘要】：传统意义上,人们认为大银行信贷不适合中小企业融资,文章研究认为大银行是否适合中小企业,要考虑两个关键问题:首先是企业本身处于哪个阶段,由于风险和收益的影响,大银行不适合向初创期和衰退期的企业放贷,而处于成长期或成熟期且具有发展潜力的企业应该成为银行的主要服务对象;其次是银企之间的信息不对称,阻碍了大银行向中小企业贷款。在中小企业信用系统不健全,银行欠缺高效的贷款技术之前,大银行不适合直接面向中小企业贷款,而应该借助信息中介,例如民间金融、中小银行、电子商务平台等,才能提高银行的贷款效率,缓解中小企业融资难和融资贵的问题。
[Abstract]:In the traditional sense, people think that the credit of large banks is not suitable for SME financing. This paper thinks that whether big banks are suitable for SMEs should consider two key questions: first, which stage is the enterprise itself in? Because of the influence of risk and income, the big banks are not suitable to lend to the enterprises in the initial period and the recession period, but the enterprises in the growth or mature period and have the development potential should become the main service object of the bank; Secondly, the information asymmetry between banks and enterprises hinders large banks from lending to small and medium-sized enterprises. Before the credit system of small and medium-sized enterprises is not sound and banks lack efficient loan technology, large banks are not suitable for lending directly to small and medium-sized enterprises. Only with the help of information intermediary, such as private finance, small and medium-sized banks, e-commerce platform, can improve the efficiency of bank loans, ease the financing difficulties of SMEs and the problem of expensive financing.
【作者单位】：广州大学公共管理学院;
【基金】：教育部社科青年项目“成长期中小企业的社会资本动态变迁与非正式融资问题研究——基于广东省的调查分析”(11YJC840056) 广东省社科基金青年项目“社会资本视角下的中小企业非正式融资问题研究”(GD10YGL16)
【分类号】：F832.4

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