摘要
中国金融体系中,间接金融始终居于主导地位,但却鲜有定位于专门为中小企业融资服务的中小企业银行,民间融资因无法律保障而发展受限,中小企业融资需求缺乏完善的融资制度体系的保障。这种粗线条的金融制度架构,从根本上约束着社会资金的流向。建立中小企业融资的制度体系,政府的主导和服务是核心,金融体系的完善是关键,有效的风险转移机制是基础,多方面的信用风险管理是根本。
In Chinese financing system, the financial demand from small and medium-sized enterprise cannot be met with the Chinese financial system, which fundamentally constrains the whole capital flow. Because there are few banks providing financing for small and medium-sized enterprises in dominated indirect fmancial, and folk financing development is hampered without legal protection. In establishment of small and medium-sized enterprises financing system there are four premises including： 1） the government＇s leading and service, 2） The improvement of the financial system, 3） the effective risk transfer mechanism, 4） the multi-dimension credit risk management.
出处
《改革与战略》
2013年第4期52-54,共3页
Reformation & Strategy
关键词
中小企业
融资制度体系
风险转移
信用风险管理
small and medium-sized enterprises （SME）
financing system
risk transfer
credit risk management
