改善我国小企业金融服务内生性供给研究

On Improving Endogenous Supply of Financing for SMEs in China

本文从理论研究与历史实践的双重视角对小企业融资难问题进行较为深入的考察,明确指出地方中小银行对小企业的关系型融资具有重要作用。在进一步对我国小企业融资状况及主要影响因素进行案例调查与分析的基础上,提出了改善我国小企业融资内生性供给的政策思路,包括:加快发展地方中小金融机构,增强小企业融资供给的意愿与能力;采取多元化的措施激励和促进大银行增加对小企业的融资服务;建设完善分担银行小企业信贷风险的融资担保机制;大力推动民间融资的阳光化,提高小企业民间融资的可得性。

The financing for SMEs is a long-standing problem in the world.In this paper,the author analyses it carefully and points out that the local banks which offer relationship lending play a major role.At the same time,based on case studies from China,the author shows that the main factors which some theories argued seriously affect the financing for SMEs,and as a result,gives some suggestions clearly that would improve endogenous supply of financing for SMEs,such as greatly accelerating the development of local banks,strongly promoting big banks to offer more and more lending to SMEs,gradually establishing guarantee system to share loan risks,etc.All of above would make SMEs get financing more easily.