摘要
随着我国金融市场的迅速发展,"金融脱媒"现象日趋显现,大客户直接融资渠道不断扩大,议价能力不断加强,对银行贡献度下降速度显然超出预期,商业银行通过依托大客户维持高速增长的局面将难以为继。而中小客户市场资源丰富、发展潜力巨大,商业银行如何在兼顾风险和效益的前提下,发现可持续发展的中小企业服务的手段是寻求商业银行发展的重要课题。本文拟从商业银行创新金融产品出发,就选择FORFAIT-ING这一金融产品对中小企业融资服务的影响进行浅析与思考。
Along with the rapid development of China＇s financial market, disintermediation becomes increasingly apparent. The direct financing channel of large corporations constantly expands, their bargaining power constantly strengthens, and their contribution to the bank obviously declined more than expected, therefore, commercial bank＇s expectation to maintain high growth rate by depending on large corporations will be hard to realize. However, market resources of small and medium-sized enterprises （SMEs） are rich, and their development potentials are immensity. How to provide more services to SMEs, while well handling the risk and benefit, is an important issue for commercial banks seeking sustainable development. From the viewpoint of the commercial bank＇ s innovation of financial product, this paper provides some analysis and reflection towards the impact of the financial product—＂FORFAITING＂ on the financing services to SMEs.
出处
《国际金融研究》
CSSCI
北大核心
2008年第3期75-80,共6页
Studies of International Finance
关键词
中小企业融资
商业银行
金融产品
福费廷
SMEs Financing
Commercial Banks
Financial Product
Forfaiting.
