台湾中小企业银行的发展与转型历程

Development and Reform of Bank of Taiwan for Small and Medium-scaled Enterprises

中小企业专业银行的设立及其演变过程为本文所欲探讨的主题。台湾在世界上享有中小企业王国的美誉,经济发展奠基于中小企业。中小企业在融资方面如世界各国一样,同样面临很大的困难。自1960年代开始开放民营经济以来,中小企业融资问题一直倍受关切。后来经过金融组织的重构,将日据时代遗留下来的中小企业融资机构,各地区的合会储蓄公司改制为中小企业银行,并设置"中小企业信用保证基金",提供信用保证,协助中小企业获得银行之融资,持续修订金融法规及提供中小企业一系列的辅导措施,才逐步化解了中小企业融资的难题。可说,长期以来,由于台湾财金当局对中小企业不遗余力的扶持,才使中小企业得以茁壮发展,进而推动整体经济的成长。

The thesis of the paper is to introduce the establishment and development of Bank of Taiwan for Small and Medium-scaled Enterprises.Taiwan enjoys ＂the kingdom of small and medium-scaled enterprises＂ .Small and medium-scaled enterprises have made great contribution to the economic development of Taiwan.However, small and medium-scaled enterprises in Taiwan have encountered the similar difficulties like those of the rest part of the world since 1960s -financing.The establishment of Bank of Taiwan for Small and Medium-scaled Enterprises,which is from restructure and combination of small and medium-scaled financial institutions before 1945 and saving companies,of ＂credit payment for small and medium-scaled enterprises＂ ,which provides credit and financing,and of some preferential policies solve the financing problem gradually.The local government＇ s continual support has made the small-medium enterprises thrive,which guarantee the development of Taiwan＇s economy.