CAJ | 학술논문

随着经济的发展,国内专业市场快速发展,并蕴含着大量的信贷业务商机,但现阶段国内银行业尚未完全发现该市场的业务潜力。本文运用共生理论对专业市场、小企业与银行三者之间的共生关系进行分析,认为三者在专业市场的带动下,不仅能够共生,而且通过银行信贷资金的融入更能促进专业市场和企业的发展。在此基础上,本文以某银行案例为研究抓手,总结出该银行的专业市场平台小企业贷款模式及启示,希望对解决小企业贷款问题、促进小企业发展及提高银行可持续发展能力有所帮助。
수착경제적발전,국내전업시장쾌속발전,병온함착대량적신대업무상궤,단현계단국내은행업상미완전발현해시장적업무잠력。본문운용공생이론대전업시장、소기업여은행삼자지간적공생관계진행분석,인위삼자재전업시장적대동하,불부능구공생,이차통과은행신대자금적융입경능촉진전업시장화기업적발전。재차기출상,본문이모은행안례위연구조수,총결출해은행적전업시장평태소기업대관모식급계시,희망대해결소기업대관문제、촉진소기업발전급제고은행가지속발전능력유소방조。
Under the backdrop of rapid economy growth, domestic specialized markets have developed with brisk pace and brought opportunities for credit business. But local banks have not realized the great potential in this market. Symbiotic theories are employed in this essay to analyze the symbiotic relationship among specialized markets, small-sized enterprises and banks. Driven by growth of specialized markets, the three parties would achieve symbiosis and promote their development with the involvement of credit fund. Taking a ease study of a bank as anchor, this paper summarizes the model of loan to smallsized enterprises on the platform of specialized market and tries to contribute to solution of this conundrum.