市场发育、信息供给与商业银行小微金融服务——基于四家商业银行的案例比较分析

发布时间：2018-02-23 20:50

本文关键词： 商业银行市场发育信息小微金融　出处：《当代经济管理》2017年06期 　论文类型：期刊论文

【摘要】：商业银行是企业主要的资金供给者之一,受信息供给的影响,小微企业在获取商业银行信贷时困难重重,这在市场发育程度较低的国家(地区)表现更为显著。格莱珉银行和开泰银行处于欠发达市场国家,德国商业银行和富国银行处于发达市场国家,它们代表了不同市场发育程度下不同商业银行采用的小微金融业务模式,而这些业务模式差异的背后是不同国家市场发育程度以及小微企业信息供给的差异。在市场发育水平较低时,信息供给水平较低,信息的严重不对称和不完全导致商业银行主要为小微企业通过提供关系型信贷产品,对于小型商业银行更是如此;当市场不断发育成熟时,信贷市场信息得到较好地发展,商业银行更愿意为小微企业提供交易性信贷产品。为促进自身进一步发展及服务小微企业的目的,我国应进一步完善市场经济体制提高市场信息供给水平,而作为信贷产品的主要供给者商业银行则应借鉴国外经验创新金融产品并开发区域性特色金融产品。
[Abstract]:The commercial bank is one of the main providers of capital, affected by the supply of information, Small and micro businesses in the acquisition of commercial bank credit difficulties, the development of less countries (regions) in the market performance is more significant. The Grameen Bank and Kaitai bank in less developed markets, the German commercial bank and Wells Fargo Bank in developed countries, they represent the different degree of market development under the different commercial bank small micro finance business model and business model behind these differences is the difference in market in different countries and the degree of development of small and micro enterprise information supply. In the market development level is low, the low level of information supply, information asymmetry the incomplete and cause the commercial bank mainly for Small and micro businesses by providing relationship lending products for small and medium-sized commercial banks is even more so; when the market constantly development mature The credit market information, develop well, commercial banks are more willing to provide trade credit products for Small and micro businesses. In order to promote the further development of Small and micro businesses and service purposes, China should further improve the market economic system, improve market information supply level, and as the main supply of credit products of commercial banks should learn from the foreign experience of financial product innovation and the development of the regional characteristics of financial products.

【作者单位】：招商局集团博士后科研工作站;中国社会科学院工业经济研究所;
【分类号】：F832.33

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