商业银行治理机制与中小企业信贷融资难的分析——以建设银行为例

Bank Governance Mechanism and SMEs Financing Constraint——Based on the Analysis of CCB

中小企业融资难是一个世界性难题,国内外学者从不同的角度对这一问题进行了分析与研究。以建设银行为例,从商业银行信贷治理机制这一独特视角进行了分析,认为由于目前商业银行没有建立起独立的中小企业信贷经营机制,在激励约束方面没有区别对待中小企业信贷业务与大企业信贷业务,在业务流程上也没有建立起适应中小企业信贷融资特点的操作流程,因此,在信贷经营过程中,商业银行基层机构将偏重于大企业信贷业务,而漠视中小企业信贷业务,造成中小企业信贷融资较为困难。

SMEs financing constraint is a global problem,the causes of which has been researched world wide.The paper,based on the analysis of China Construction Bank, analyses the problem from the view of bank governance mechanism,and finds that commercial banks at present do not establish an independent operating mechanism for SMEs credit business,and there is no difference in the incentive and restraint mechanisms for SMEs and large enterprises credit business,and the processes has not yet adapt to SMEs business.The sub-branches of Commercial banks will be biased to large enterprise credit business and ignore SMEs credit business,which will result in SMEs Financing Constraint.