微小企业融资困境与信贷机制创新

微小企业融资长期被正规金融机构边缘化的原因在于为其提供贷款"成本高、抵押难、风险大"。与大银行相比,中小银行在获取"软信息"、降低单位交易成本、防范信用风险等方面更具比较优势,中小银行通过信贷机制的创新向微小企业提供贷款能按照商业可持续原则实现金融机构、微小企业、政府等主体的共赢。本文基于数理模型简要论证了微小企业融资难,且其融资困境的化解在于信贷机制的创新的问题。在此基础上通过对台州市商业银行小本贷款案例分析得出相应结论,为微小企业融资市场正在不断深化的中国提供一些有益的启示。

金融生命周期与微小企业融资——基于可持续发展的视角

促进微小企业的发展,不仅可以增加我国的GDP,也可以缓解我国紧张的就业压力。但就目前而言,我国微小企业存在"双高"问题——高出生率、高死亡率。这不仅造成了资源的浪费,也不利于我国经济的长远发展。通过对以往文献的回顾,从可持续发展经济学的角度,提出了促进微小企业长远发展,就必须保证微小企业在其生命周期的各个阶段,都有通畅的融资渠道的观点。

微融资企业贷款在中国的发展

本文主要介绍了微小企业贷款的由来以及它在我国发展的现状,并指出在我国现阶段微小企业贷款存在的问题,并给出合理化的建议和措施。

论微小金融机构如何成为小企业成长的伙伴

融资难的问题已经成为制约小企业发展最重要的因素之一,本文从微小金融机构与小企业成长之间的关系,说明了在解决小企业融资问题上微小金融机构独特的优势,并以美国社区银行和浙江民泰商业银行为例介绍了微小金融机构与小企业之间密不可分的战略合作关系,最后从四个方面分析了怎样引导微小金融机构更好的为小企业服务。

Study on the Development of Small and Micro-sized Enterprises in Hubei Province

The development of small and micro-sized enterprises is of vital significance for the steady and rapid social economy. In recent years, the developing environment for the small and micro-sized enterprises in Hubei province has become increasingly severe, and the problems such as high management cost, high taxes and fees, financing difficulties, and labor shortages of the small and micro-sized enterprises have been more obvious, so that the further development, transformation, and upgrading of the small and micro-sized enterprises are severely restricted. In order to promote the development of the small and micro-sized enterprises, the developing environment for the small and micro-sized enterprises should be further optimized, the tax environment for supporting the development of the small and micro-sized enterprises should be well improved, the financing system should be promoted to be sound, the industrial structure should be actively adjusted, and also the development quality should be increased.