商业银行对科技中小企业贷款方式的研究

商业银行贷款给科技中小企业面临着高风险，而高收益的要求在我国由于分业经营和利率浮动上限的限制，不能得到满足。文章设计的资产价格浮动利率法和滚动结算法可以使银行贷款给科技中小企业，承担高风险的同时，获得高收益，从而增强商业银行给科技中小企业贷款的激励，解决科技中小企业的融资难题。

A Study of the Way about Commercial Bank Lending to Medium and Small Enterprises

When a Chinese commercial bank grants a loan to a medium or small enterprise,much more interests than other large companies are always demanded because lending to medium and small companies there always is more risk to the bank.On the other hand,requirement of high profits is facing separate operation limitations and restrictions on floating interest rates.This paper explained a Floating Rate Method of asset prices and another called Rolling Settlement Method at the base of this vision,we think that these t...