摘要
我国中小企业在国民经济中起着举足轻重的作用 ,但普遍面临融资困难和缺少“金融关怀”问题 ,在发展中具有明显的“强位弱势”特征。在借鉴并改良日德“主银行”模式的基础上 ,为缓解我国中小企业的融资缺口 ,需要构建新型“主银行”模式。该模式不仅对化解中小企业的融资困境有十分积极的作用 ,而且为重构我国银企关系及信用担保体系提供了契机。此外 ,新型“主银行”模式的发展和完善 ,还将为中小企业的有序成长以及农业产业化开创新局面。
Small and medium enterprise in China is a special enterprise group of extremely strategic importance for the economy of China. They are struggling for survival in 'a high position with low potency', because they get little financial supports from banks. This research makes some improvement on the main bank system which has been used in Japan and Germany, and illustrates that the new system could not only solve the loan dilemmas, but also set up a new type of relationship between banks and the small and medium enterprise. Further more, the new system will help to reconstruct the credit guarantee system in China. It is clear, that the implementation and continual improvement of the new main bank system will create a totally new condition for the development of the small and medium enterprise, and even for the industrialization of Chinese agriculture.
出处
《财经理论与实践》
CSSCI
北大核心
2004年第2期116-120,共5页
The Theory and Practice of Finance and Economics