基于联盟贷款的中小企业融资创新研究

SMEs Financing Innovation based on Alliance Loans

中小企业贷款是民生金融的重要组成部分,在促进经济发展及和谐社会建设中将发挥越来越重要的作用。但长期以来,中小企业融资难的问题一直没有得到很好解决。本文以机制建设为基础,以风险控制为核心,以现有法律法规为框架,以推动业务开展为目的,对国家开发银行山东省分行的中小企业联盟贷款模式进行了研究。

SMEs loans are an important part of people＇s livelihood finance.In promoting economic development and building harmonious society it will play an increasingly important role.However,for a long time,the SMEs financing problem has not been resolved.Based on mechanism construction,risk control as the core,within the framework of existing laws and regulations to facilitate business,this paper analysed the SMEs＇alliance loan model of CDB Shandong Branch.