企业经济
企業經濟
기업경제
Enterprise Economy
2014年
1期
103~106
,共null页
中小企业 融资成本 银行垄断 缘约文化
中小企業 融資成本 銀行壟斷 緣約文化
중소기업 융자성본 은행롱단 연약문화
small and medium -sized enterprise; financing cost; bank monopoly; folk credit culture
人民银行统计数据显示，近年来我国中小企业融资状况正在不断改善。但是，借助中小企业发展指数数据，通过一些典型的融资调查后的客观现实是：随着我国经济发展的内在条件和外部环境的变化，中小企业经营趋于恶化，融资难仍然是制约当前我国中小企业发展的瓶颈。因此，文章基于以往文献，在剖析我国金融体系缺陷的基础上，分析了我国中小企业融资市场的三大特征，即通过银行获取资金的比例低，按照现有模式融资成本高，民间借贷活跃，并从银行市场结构、担保公司、民间借贷“缘约”文化等方面对上述特征进行了解释。．
人民銀行統計數據顯示，近年來我國中小企業融資狀況正在不斷改善。但是，藉助中小企業髮展指數數據，通過一些典型的融資調查後的客觀現實是：隨著我國經濟髮展的內在條件和外部環境的變化，中小企業經營趨于噁化，融資難仍然是製約噹前我國中小企業髮展的瓶頸。因此，文章基于以往文獻，在剖析我國金融體繫缺陷的基礎上，分析瞭我國中小企業融資市場的三大特徵，即通過銀行穫取資金的比例低，按照現有模式融資成本高，民間藉貸活躍，併從銀行市場結構、擔保公司、民間藉貸“緣約”文化等方麵對上述特徵進行瞭解釋。．
인민은행통계수거현시，근년래아국중소기업융자상황정재불단개선。단시，차조중소기업발전지수수거，통과일사전형적융자조사후적객관현실시：수착아국경제발전적내재조건화외부배경적변화，중소기업경영추우악화，융자난잉연시제약당전아국중소기업발전적병경。인차，문장기우이왕문헌，재부석아국금융체계결함적기출상，분석료아국중소기업융자시장적삼대특정，즉통과은행획취자금적비례저，안조현유모식융자성본고，민간차대활약，병종은행시장결구、담보공사、민간차대“연약”문화등방면대상술특정진행료해석。．
The statistics of the People＇ s Bank of China showed that, in recent years, the financing conditions of Chinese small and medium- sized enterprises have been continuously improved. By making use of the development index data of small and medium - sized enterprises, this paper conducts some typical financing surveys and draws a conclusion that, along with the changes of intrinsic condition and external environment of our economy development, the small and medium - sized enterprise management tended to be worse, and the financing difficulty is a bottleneck which restricts the current development of the small and medium- sized enterprises. At the same time, the small and medium- sized enterprise financing market emerges with three characteristics： low proportion through banks for access to funding, high cost according to the existing financing model, and active folk lending. Additionally, the paper explains the above characteristics from the banking market structure, guarantee company and folk credit culture.
