小企业信贷缺口、信贷技术缺陷与政府干预——基于2008年上海地区经济园区小企业调查

Credit Gap of Small Enterprises,Credit Technical Defects of Banks and Government Intervention:Based on the Survey of Small Enterprises in Shanghai's Industrial Parks in 2008

本文根据2008年对上海地区经济园区小企业的调查数据,分析总结小企业融资的几个主要特征。本文研究发现商业银行对规模不等中小企业借贷技术标准趋同决定了小企业的信贷缺口。在当前政府宏观刺激方案下,信贷缺口并未有效收敛。我们认为,建立政府支持的小企业融资体系,成立服务于小企业的政策性支持机构,建立和完善社会征信体系,大力发展地方性中小金融机构,建立信贷技术援助平台等是解决小企业贷款难的主要对策。

Based on the survey of small enterprises in Shanghai＇ industrial parks in 2008, the paper summarizes some features of financing of small enterprises. Bank loan is the external financing form of small enterprises with high loan-provided rate and low loan application rate, and the credit application is significantly featured by self-choice. Mortgage is the main financing form, and the mortgage is not the main reason of the credit refusal. The paper considers that the convergence of credit technical standards toward small enterprises determines the credit gap and under current macro-policies, the credit gap is not shortened. It puts forward some suggestion including establishing a system to support small enterprises ＇ financing, perfecting social credit system, developing local small-and-medium-sized financial organizations and setting up a platform to provide credit technical support.