摘要
本文认为,银企之间的信息不对称所导致的信用缺失及其授信困难,是当前制约中小企业融资的关键所在。供应链融资作为一种信用——引致型金融创新,能够较好地降低商业银行与中小企业之间的信息不对称,提高中小企业的信用度,突破抵押担保的硬性约束,并降低商业银行的信贷风险,从而有效地缓解中小企业信贷配给困境。
Information asymmetry between banks and enterprises that leads to lacking of credibility and causes credit problems is the key factor in SMEs financing constraints.Supply chain financing as a credit-incurred financial innovation,reduces the information asymmetry between banks and SMEs,improves SMEs’ credit,breaks the rigid collateral constraints,and reduces the credit risk of banks,thereby effectively lessens the plight of SMEs in credit rationing.
出处
《金融发展研究》
2010年第9期28-32,共5页
Journal Of Financial Development Research
关键词
供应链融资
中小企业
抵押担保
信贷配给
supply chain financing
SMEs
guaranteed-mortgage
credit rationing