高价吸存“倒逼”机制下小微企业融资困局再析

2011年6月中旬,"中小企业划型标准规定"新政出台,首增微型企业划型标准,旨在改善小微企业的融资环境。但依然高位的准备金率、"倒逼"机制和"额度"寻租等现象的存在,小微企业融资难、贵的状况还没有根本缓解。本文从准备金率、存贷比、75%监管红线等角度入手;借助图表、数字推演、逻辑推理和例证等方法展开论述。创新之处在于透过银行吸存表象,运用"倒逼"原理,深度分析高价吸存成本转嫁小微企业的动因、手段和方法,剖析小微企业融资难、贵的本质。

Analysis of small enterprises financing difficulty under high price deposit absorb difficulty

In the middle of June,2011,"The sizing standards for small and medium-sized enterprises " was introduced by government.The new deal first increased miniature industry standard in order to improve the financing environment of these enterprises.However,the existence of high reserve rate,the"Forced" mechanism of deposit and"the rent seeking of amount"make it diffcuclt for small enterprises to improve the condition of financing problems.The areticle makes a discussion from the reserve rate,deposit-loan rate,75% red line of supervision of such perspective,with charts,digital deduction,logic reasoning and illustrative method.The innovation is that it makes a depth analysis about motivation,means and methods of the phenomenon small enterprises undertake the high-priced sequestration cost through the appearance of bank deposit by the princeple of the"Forced"mechanism.