试论中小企业信贷中的银行信贷基准问题

The Credit Benchmark of Banks for the Small and Medium-Sized Enterprises

中小企业信贷融资难问题 ,其解决方法通常是以增设中小金融机构或为中小企业提供担保来增加中小企业的资金可获程度 ,即采用“资金可获型战略”。本文希望通过对银行建立以信用为核心的信贷基准的探讨 ,回归中小企业信贷融资基础 ,即逐步提高中小企业以信用为基础的融资可获程度 ,从而使中小企业融资战略转换为“信用可获型”。

The resolvent of the difficulty in financing the small and medium-sized enterprises results in constructing new small finance institutions or standing guarantee for them. That is the obtainable funds strategy. Through analyzing the credit benchmark, which is constructed by banks based on credit, this article tries to come back to the foundation of the small and medium-sized enterprises, that is to say, improving the obtainable funds level based on their credit. Furthermore, the financing strategy must transform into the type of obtainable credit. It is the fundamental way to resolve the difficulty in financing of the small and medium-sized enterprises.