CAJ | 학술논문

为缓解中小企业旺盛的过桥资金需求，山东省许多小额贷款公司和担保公司依靠特殊的行业禀赋、股东结构和信息对称的比较优势，成为中小企业过桥资金的提供者。本文经过调研分析认为，应为中小企业设计市场主导的过桥资金融资，在业务透明化、公开化基础上给予合理监管和防范风险。
위완해중소기업왕성적과교자금수구，산동성허다소액대관공사화담보공사의고특수적행업품부、고동결구화신식대칭적비교우세，성위중소기업과교자금적제공자。본문경과조연분석인위，응위중소기업설계시장주도적과교자금융자，재업무투명화、공개화기출상급여합리감관화방범풍험。
In order to satisfy the active demand for bridge financing, many citys in Shandon have introduced the policy of working capital loan. However,it is faced with several problems such as“helping the strong rather than the weak”, narrow coverage and alienated usage of funds. So many microfinance and guarantee companies have become the provider of bridge loans for SMEs, as they have the comparative advantage of special industry endowments, shareholder structure and information symmetry. After research and analysis, this paper believes that market-oriented bridge financing should be designed for SMEs on the basis of transparent and open business. In addition to the support given by the government,proper supervision should be given so as to prevent risks.