中小企业融资能力的累积性放大模型构想

The Proposition of the Progressive Enlarging Model of Middle and Small-sized Enterprises' Loaning Ability

对于中小企业融资难这一热点问题,本文立足于提升中小企业自身的信用等级这个角度来研究,即中小企业 信用等级提升的微观基础是企业的成长性,中小企业信用等级提升后可以提升融资的比较优势以及融资能力的提高对企 业成长性和信用等级提升的促进作用。并在成长性、信用和融资能力三者的循环联系的基础上建立累积性放大模型,本文 详细论述了该模型的三大效应的释放问题。

On such a hot question as the loaning difficulty of middle and small-sized enterprises （MSE）, we stand on the point of improving the MSE＇s own credit grade, which means that the micro-basis of credit grade is growth quality and the increase of credit grade can turn into the comparing superiority in loaning, including the acceleration of loaning ability to growth quality and credit grade. Besides, we have built up a progressive enlarging model on the basis of circulating relations among the growth quality, credit and loaning ability. This article discusses the release of three effects from this model in detail.