成本收益角度的小微企业金融服务内生动力研究——基于浙江银行业小微企业贷款业务的典型分析

Endogenous Power Study of SME Financial Service from the Perspective of Cost-benefit——A Typical Analysis Based on SME Loan of Zhejiang Banking

小微企业"信息不透明、缺乏有效抵押资产"等秉性,决定了小微企业融资难是一个长期存在的社会难题。解决这一持续性难题客观上需要用商业可持续的模式,即应符合投融资主体风险可控、成本可控和合理盈利的利益机制。因此,能否按照商业可持续原则,调动各相关方的积极性,尤其是激发当前仍为小微企业融资主渠道的银行业机构的内生动力,是推动小微企业融资难问题逐步缓解的关键所在。本文拟从成本收益角度,剖析大型银行与中小银行在小微企业授信决策方面的共性和差异性,探索在现行金融组织架构下纾解小微企业融资难的有效模式和路径。

The “nontransparent information, lack of effective mortgage assets”characteristics of SMEs, decide the financing difficulties of SMEs would be a long-existed social problem. To solve the problem, a sustainable business model will be needed, which meets the interest mechanism of controllable risk, controllable cost and reasonable profit for the subjects of investing and financing. Therefore, obeying the sustainable business model, arousing the enthusiasm of related parts and stimulating the banking organizations ’ endogenous power, are the key to release the financing problem of SMEs. This paper took the perspective of cost-benefit, analyzed the commonalities and differences of large banks and medium-small banks in the SME loan decisions, in order to explore the effective mode and path to ease the financing difficulties of SMEs.