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中小企业贷款技术及其在我国的运用探析 被引量:1

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摘要 和大企业相比,中小企业面临更严重的信息不对称问题和更高的交易成本,所以需要有专门的贷款技术来防范违约风险。本文介绍了西方国家针对不同类型的中小企业所形成的不同贷款技术,在此基础上,说明目前我国对中小企业贷款技术的运用比较欠缺,并就以后的发展提出了建议,主要包括:(1)加强金融基础设施的建设,尤其是中小企业的征信制度建设;(2)改革现存的银行的体制和竞争结构,增强激励机制等。
作者 潘慧
机构地区 上海金融学院
出处 《新金融》 2006年第11期49-51,共3页 New Finance
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