中小企业间接融资体系研究

The research on establishing our indirect financing system for the medium or small enterprises

针对中小企业现有融资体系资金供给系统不完善、中小企业信用补充系统缺位及信用评价体系不健全等问题 ,提出构建中小企业融资体系的对策与建议 :一是健全中小企业贷款融资机构体系 ,具体包括国有大银行进一步改善对中小企业金融服务、发挥中小商业银行融资主力军作用、建立中小企业发展银行、适度发展面向中小企业的非国有金融机构 ;二是建立并完善我国中小企业信用担保和再担保体系 ;三是建立有效的信用评价体系。

This paper holds that to establish a set of perfect financing systems for the medium or small enterprises is a basic method to solve such problems as imperfection of capital supply system for the medium or small enterprises, lack of credit supply and imperfection of the system for credit evaluation. In suggests the countermeasures of setting up our indirect financing system for the medium or small enterprises. Firstly, perfect current loaning and financing setups for the medium or small enterprises. The specific methods include further improving the state owned banks, financial services to them, making the most of medium or small commercial banks as the main part of financing system, establishing development banks of their own and developing non state owned banking institutions for them. Secondly, establish and perfect our credit insurance and reinsurance system for the medium and small enterprices. Thirdly, establish our credit evaluation system for the medium or small enterprices.