摘要
现阶段,我国中小企业发展迅速,已成为经济社会发展的重要推动力。然而,我国中小企业发展的最大障碍问题仍然是"融资难"。中小企业信贷约束源于中小企业与银行之间的信息不对称、银企制度性约束与信息不对称。化解中小企业信贷约束,需要完善商业银行信贷管理制度、信贷风险防控制度、信贷激励与约束机制,鼓励中小银行对中小企业实行主办银行制度,建立担保机构与银行业的合作机制。
With rapid development,small and medium enterprises have currently become important driving forces for economic and social development in China.However,financing difficulty is still the biggest obstacle for SMEs development in China,which is due to information asymmetry,institution constraints of banks and enterprises.To solve the credit and loan constraint,this paper designs the countermeasures,for example,to pefect banks＇ creadit management system,risk preventing system,credit incentive and constrainting institution,and encourage SMEs to participate in the invest of bank,establish cooperating mechanism of loans guarantee organizations.
出处
《重庆社会科学》
CSSCI
2010年第3期36-41,共6页
Chongqing Social Sciences
关键词
中小企业
信贷融资
制度约束
信息不对称
融资制度
SMEs
credit and loan
institutional constraints
information asymmetry
financing system
