我国中小金融机构的生存与发展空间

The Existence and Development Space of our Middle and Small Financial Institutions

我国中小金融机构虽然目前面临着种种困难与挑战 ,但仍然有着广阔的发展空间与机遇。面对广大中小企业及农民巨大而迫切的资金需求 ,国有银行等大银行因信息不对称、交易成本过高及所有制障碍而无法给予满足。而中小金融机构因具有与中小企业所有制上的一致性、地域上的一体性及自身产权的明晰性等特点 ,使其在对中小企业的信贷服务中具有信息优势、成本优势及管理优势 ,加上政府及有关方面的政策扶持 ,就使它们有能力去实际占领这一空间。

There will be wide development space and opportunities for our middle and small financial institutions,even though confronted with difficulties and competitions.Large banks can't meet the eager financial demand of middle and small enterprises and peasants,because of no information symmetry,higher exchange cost and ownership obstacle.With charicteristic of clear ownership,ownership consistment and reginal organic integration with middle and small enterprises,middle and small financial institutions have information,cost and management superiorities in financial services.With government policy sustainment,they will have the capacity to capture the space.