银行贷款技术与小微企业信贷可得性

Bank's Lending Technologies and Small & Micro-Enterprise Credit Availability

小微企业融资难已成为共识,随着生产成本上涨、利润下降及其转型需求,小微企业的融资问题会更加突出。大型银行重抵押物的市场交易型贷款技术模式,把没有和缺乏充足合格抵押物的小微企业拒之门外。但基于关系型贷款技术的中小银行却为小微企业融资打开了可行之门,通过抵押物从"有形"到"无形",从"物"向"权"拓展,实现轻"抵押物"向重"还款能力"思路转变,可进一步扩大小微企业的信贷可得性。

Small and micro enterprise difficulty financing has become a consensus, with rising production costs, profits decline and restructuring needs, financing problems of small and micro enterprises will be more promi- nent. Traditional bank business model required heavy collateral lending, small and micro enterprises which lack of, even no qualified collateral be shut out. But small banks based on relationship lending has opened the door to small and micro enterprises financing, by collateral from the ＂visible＂ to ＂invisible＂ , from ＂material＂ to ＂right＂, and ideas change from ＂less＂ collateral to ＂more＂ repayment ability, small banks can expand credit support to small and micro enterprises.