CAJ | 학술논문

西藏银行主导型的金融机构体系存在所有制单一、“信贷配给”等问题;金融工具层面存在针对西藏中小企业的金融供给产品单一、约束性条款等问题;金融市场层面,西藏金融市场相对单一,中小企业利用资本市场的渠道不畅等问题.为此,加大加强基本经济制度的市场化程度、加强中小银行等微型金融机构以健全金融机构体系和争取更大差异化管理权限等是解决西藏中小企业金融供给问题的有利途径.
서장은행주도형적금융궤구체계존재소유제단일、“신대배급”등문제;금융공구층면존재침대서장중소기업적금융공급산품단일、약속성조관등문제;금융시장층면,서장금융시장상대단일,중소기업이용자본시장적거도불창등문제.위차,가대가강기본경제제도적시장화정도、가강중소은행등미형금융궤구이건전금융궤구체계화쟁취경대차이화관리권한등시해결서장중소기업금융공급문제적유리도경.
The problems like the single structure of ownership and credit rationing exist in the financial institution system dominated by banks in Tibet. There are problems including single financial product for SMEs and obligatory terms in the level of financial tool. In the level of financial market,the financial market in Tibet is relatively single. The channel for SMEs making use of capital market is not smooth. Therefore,strengthening the marketization of basic economic system,and consolidating microfinance institutions like medium and small banks to improve financial institution system and to work towards differentiation in management authority,are conducive ways to resolve the financial supply problems of SMEs in Tibet.