财经科学
財經科學
재경과학
Finance and Economics
2014年
6期
31~41
,共null页
小微企业 中小银行 抵押物
小微企業 中小銀行 牴押物
소미기업 중소은행 저압물
Small and Micro Enterprise; Small and Medium Banks; Collateral
小微企业融资难已成为共识，随着生产成本上涨、利润下降及其转型需求，小微企业的融资问题会更加突出。大型银行重抵押物的市场交易型贷款技术模式。把没有扣缺乏充足合格抵押物的小微企业拒之门外。但基于关系型贷款技术的中小银行却为小微企业融资打开了可行之门，通过抵押物从“有形”到“无形”，从“物”向“权”拓展，实现轻“抵押物”向重“还款能力”思路转变，可进一步扩大小微企业的信贷可得性。
小微企業融資難已成為共識，隨著生產成本上漲、利潤下降及其轉型需求，小微企業的融資問題會更加突齣。大型銀行重牴押物的市場交易型貸款技術模式。把沒有釦缺乏充足閤格牴押物的小微企業拒之門外。但基于關繫型貸款技術的中小銀行卻為小微企業融資打開瞭可行之門，通過牴押物從“有形”到“無形”，從“物”嚮“權”拓展，實現輕“牴押物”嚮重“還款能力”思路轉變，可進一步擴大小微企業的信貸可得性。
소미기업융자난이성위공식，수착생산성본상창、리윤하강급기전형수구，소미기업적융자문제회경가돌출。대형은행중저압물적시장교역형대관기술모식。파몰유구결핍충족합격저압물적소미기업거지문외。단기우관계형대관기술적중소은행각위소미기업융자타개료가행지문，통과저압물종“유형”도“무형”，종“물”향“권”탁전，실현경“저압물”향중“환관능력”사로전변，가진일보확대소미기업적신대가득성。
Small and micro enterprise difficulty financing has become a consensus, with rising production costs, profits decline and restructuring needs, financing problems of small and micro enterprises will be more promi- nent. Traditional bank business model required heavy collateral lending, small and micro enterprises which lack of, even no qualified collateral be shut out. But small banks based on relationship lending has opened the door to small and micro enterprises financing, by collateral from the ＂visible＂ to ＂invisible＂ , from ＂material＂ to ＂right＂, and ideas change from ＂less＂ collateral to ＂more＂ repayment ability, small banks can expand credit support to small and micro enterprises.
