配套银行具有抑制信用风险的独特优势

Supporting Banks' Unique Advantages over Curbing Credit Risks

在中小企业融资难的诸多问题中,信息不对称是主要问题。如果以核心企业作为配套银行的主要投资者,而银行的客户就是核心企业的配套商,以此重塑银企关系。这样,内生违约成本、信息业务契合等机制将发生作用,对解决信息不对称等问题具有显著效果。在配套银行作为贷款人、配套商作为借款人这一特定环境中,中小企业融资困境可望得到纾解。

Among SME financing problems, information asymmetry is the main one. If the core business acts as a major investor for a supporting bank, the bank＇ s customer is the supporting trader, hence the relationship between banks and enterprises will be reshaped. Thus, such mechanisms as endogenous default costs, information services matching, etc. will work and have a significant effect on the solution of asymmetric information. If supporting banks act as lenders and supporting businesses act as borrowers, SME financing difficulties are expected to be eased.