信用积累与中小企业融资

Credit Accumulation and SME Financing——Countermeasures for SME Financing from the Perspective of Credit Cluster

融资难是中小企业的常在表征,全球皆然,并非某区域经济个体表征。此次金融危机加重了中小企业融资的难度,却非问题根源。解决中小企业融资难问题,政府与金融业界创造了多元化工具,如中小企业服务局制度,中小企业信用担保制度,创投基金、股权基金和中小企业投资公司,质押、抵押和典当等。但融资难问题解决的关键在于中小企业主动的信用积累。中小企业信用集群则可以帮助中小企业加速其信用积累。

Financing difficulty is a usual phenomenon for SMEs,which is universally the case in the world,not an individual characteristic for some regional economies.The present financial crisis has exacerbated this problem,but is not the root causes.For solving the problem,government and financial industries have made diversified tools,such as the service bureau system for SMEs,the SME credit guarantee system,venture capital funds,equity funds and SME investment company,pledge,hypothecation and mortgage,and so on.Ho...