民营企业信贷融资：困境、风险及其有效缓解

The Solutions to Private Enterprises' Loan-based Financing

风险高是制约民营企业信贷融资的首要因素,也是银行信贷风险管理的难点之一。需要在借鉴相关研究成果的基础之上,结合我国现有的金融体制和民营企业的自身特质,主要从银行信贷风险管理技术改善及体制创新、企业自身经营规范等方面来缓解银企间的信息不对称,降低信贷风险。以期银企双赢,互动发展。

High credit- risk is not only the main reason restricting credit- finanelng, but also a focus in the bank＇s credit- risk management. With regard to credit- financing supply ＆ demand, the paper dlseusses the credit- risk. In order to relieve the information asymmetry and credit - risk between bank and private enterprises, the key is to improve the credit - risk management by way of system innovation. Private enterprises should also regulate their management. In this case both banks and enterprises can achieve the mutual benefit and development.