借鉴国开行统贷模式,破解中小企业融资难题

Drawing on the Model of Unified Loans and Overcoming the Difficulty in Financing SMEs

中小企业融资一直是我国金融领域的一大难题。一方面,股票市场的高标准要求、风险基金的高成长要求,使得中小企业融资只能求助于银行业;另一方面,由于缺乏足够的抵押资产和完善的财务系统以及需求资金规模小、时间急,中小企业向银行融资时面临抵押难题、软信息难题和规模难题。与此同时,我们看到,国家开发银行的统贷模式在这方面取得了很大的成功。它通过与地方政府、群众组织以及组织中的个人建立委托关系同时破解了以上的三个难题。因此,国有商业银行和其他银行机构可以有效借鉴国家开发银行的统贷模式,通过与群众组织建立委托关系来解决中小企业融资难问题。

Financing SMEs has always been a major difficulty in the field of finance in China. On the one hand, the high standard requirement of stock market and high growth requirement of venture capital leave SMEs no choice but to resort to the banking industry ; on the other, when borrowing from banks, they are confronted with difficulties in collateral, soft information and loan size, for they do not have sufficient assets for collateral nor adequate system of finance and their need for funds is small in size and pressing in time. In the meantime, we observe that the model of unified loans of the State Development Bank has been a great success With this regard. The model, by establishing a principal - agent relationship with local governments, mass organizations, and individuals in organizations, resolves the above three difficulties at once. Therefore, state - owned commercial banks and other banking institutions can effectively draw on the model and solve the difficulty in financing SMEs by setting up a principal - agent relationship with mass organizations.