如何看小微企业过桥贷

发布时间：2018-02-03 07:17

本文关键词： 银行不良贷款过桥资金过桥贷款资金缺口产业转型升级民间融资信贷政策信贷资源资金周转人民银行 　出处：《中国金融》2015年05期 　论文类型：期刊论文

【摘要】：正主持人的话:促进小微企业发展是国民经济焕发活力、实现产业转型升级的重要推动力。近几年,在一系列金融政策支持下,商业银行对小微企业的贷款明显上升。统计数据显示,截至2014年末,小微企业贷款余额占企业贷款余额的30.4%,2014年全年新增2.13万亿元。但在经济下行和商业银行不良贷款上升的背景下,小微企业续贷这个一直以来的难题当下更加凸显。过桥贷是解决小微企业续贷难题的传统做法,它填补了小微企业两次银行贷款之间的资金缺口,保障了小微企业的正常经营,但由于成本高、风险大等问题,这个桥稍有不慎就有可能成为小微企业的奈何桥。从现实情况看,全面否定过桥贷的存在是不
[Abstract]:The words of the moderator: promoting the development of small and micro enterprises is an important driving force for the national economy to rejuvenate and realize the industrial transformation and upgrading. In recent years, it has been supported by a series of financial policies. Loans to small and micro enterprises by commercial banks have risen significantly. Statistics show that as of end of 2014, the balance of loans for small and micro enterprises accounted for 30.4% of the balance of business loans. In 2014, 2.13 tillion yuan was added, but against the backdrop of a downturn in the economy and a rise in non-performing loans by commercial banks. Bridge loan is the traditional way to solve the problem of small and micro enterprise loan renewal, which fills the gap between the two bank loans of small and micro enterprises. It has guaranteed the normal operation of small and micro enterprises, but because of the problems of high cost and high risk, this bridge is likely to become the Naihe bridge of small and micro enterprises by a little carelessness. From the point of view of reality, it is not necessary to deny the existence of bridge loan in an all-round way
【分类号】：F832.4;F276.3
【正文快照】： 主持人的话:促进小微企业发展是国民经济焕发活力、实现产业转型升级的重要推动力。近几年,在一系列金融政策支持下,商业银行对小微企业的贷款明显上升。统计数据显示,截至2014年末,小微企业贷款余额占企业贷款余额的30.4%,2014年全年新增2.13万亿元。但在经济下行和商业银行

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