摘要
后金融危机背景下我国科技型小微企业正在经受着非常严峻的考验,解决科技型小微企业融资问题迫在眉睫。我国商业银行贷款作为科技型小微企业最主要的资金来源,存在着诸如高信息不对称、风险收益不匹配、缺乏有效评估体系等问题。必须加强商业银行贷款创新,构建与科技型小微企业高成长、高风险特征相适应的贷款盈利模式和评估体系,以进一步解决我国商业银行科技型小微企业融资问题。
On the post-financial-crisis era, Chinese SCI-TECH small and micro businesses are withstanding severe tests. It＇s a imminent task to resolve their financial problems. Chinese commercial banks are the main financial resource to SCI- TECH small and micro businesses. But there are so many problems such as high information asymmetry, mismatching between risks and returns, shortage of effective appraisal systems. So to deeply resolve the financial problems, we should strengthen the loan innovation, establish new loan profit patterns and appraisal systems adapt to the features of SCI-TECH small and micro businesses such as high growth and high risks.
出处
《未来与发展》
2013年第7期72-76,71,共6页
Future and Development
基金
杭州师范大学-中国建设银行合作研究项目"民营科技型小微企业成长性评估体系研究"(2011HSS036)阶段性成果
杭州市哲学社会科学常规性规划课题"杭州市科技型中小微企业成长性评价体系研究-基于融资信用的角度"(B12YJ18)阶段性成果
关键词
科技型小微企业
贷款创新
盈利模式
成长性评估体系
SCI-TECH small and micro businesses
loan innovation
profit patterns growth appraisal systems
