中小企业“批量开发”贷款模式研究

发布时间：2018-10-04 22:50

【摘要】：中小企业是体制变革与技术创新的主体,是竞争活力的源泉,也是社会就业的主渠道。近年来,国家出台了一系列支持中小企业发展的优惠政策,各级监管部门也下发指导意见,要求银行积极创新发展思路、改变服务方式、拓宽贷款途径、加大对中小企业的资金扶持力度。但由于信息不透明、管理手段落后、单户操作成本高、企业主失信问题严重等原因,使中小企业较难从银行获得贷款。当前形势下,从银行贷款难已经成为制约中小企业健康发展的最大瓶颈。本文旨在通过对中小企业集群效应的分析,以一个全新视角来解释困扰中小企业银行贷款难的根源,通过集群效应的"批量开发"贷款模式开展市场规划,达到商业银行和中小企业双赢的目的。
[Abstract]:Small and medium-sized enterprises are the main body of system change and technological innovation, the source of competitive vitality and the main channel of social employment. In recent years, the state has issued a series of preferential policies to support the development of small and medium-sized enterprises, and regulators at all levels have issued guidance to the banks to actively innovate their development ideas, change their service methods, and broaden their lending channels. Increase financial support for small and medium-sized enterprises. However, due to the opaque information, backward management means, high cost of single account operation, and serious problems of the business owners, it is difficult for small and medium-sized enterprises to obtain loans from banks. Under the current situation, the difficulty of lending from banks has become the biggest bottleneck restricting the healthy development of small and medium-sized enterprises. The purpose of this paper is to analyze the cluster effect of small and medium-sized enterprises (SMEs), to explain the root causes of the difficulties of bank loans in small and medium-sized enterprises from a new perspective, and to carry out market planning through the "batch development" loan model of cluster effect. Commercial banks and small and medium-sized enterprises to achieve a win-win goal.
【作者单位】：江西财经大学工商管理学院;
【分类号】：F832.42

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