摘要
我国中小企业目前面临融资难的问题,贷款承诺业务有利于这一问题的解决。根据我国现实情况,笔者认为可以通过建立适合我国国情的融资担保、评级为一体的融资担保机构,对中小企业的分类采取不同的贷款承诺形式,降低经营成本,有效地解决中小企业贷款承诺业务中的障碍,就可以极大缓解中小企业目前面临融资难的问题。
SMEs＇ in China are confronted with great difficulties in financing, which is likely to be solved by applying loan commitment. The authors suggest to establish collateral institutions for financing to guarantee and assess SMEs＇ financing. These collateral institutions maybe solve the difficulties of SMEs＇ loan commitment effectively.
出处
《现代财经（天津财经大学学报）》
CSSCI
北大核心
2007年第4期10-13,共4页
Modern Finance and Economics：Journal of Tianjin University of Finance and Economics
