| 基于流动性过剩的中小企业融资分析 |
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| 引用本文： | 章建伟.基于流动性过剩的中小企业融资分析[J].经济问题,2007,336(8):108-110. |
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| 作者姓名： | 章建伟 |
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| 作者单位： | 南京审计学院,金融学院,南京,210029 |
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| 基金项目： | 江苏省社会科学基金
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南京审计学院校科研和教改项目 |
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| 摘 要： | 以商业银行流动性过剩为背景,对我国中小企业融资难问题进行分析.认为除信息不对称外,国有商业银行对中小企业信贷动力不足是导致我国中小企业融资难的又一重要原因.为此提出通过再造银行体系、重塑国有商业银行经营目标及完善内部激励制度来健全对中小企业信贷的动力机制.
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| 关 键 词： | 国有商业银行 流动性过剩 中小企业融资 银行流动性 中小企业信贷 融资分析 Banks Commercial Liquidity Based Problems Financing Enterprises 动力机制 激励制度 完善 经营目标 银行体系 再造 动力不足 国有商业银行 信息不对称 问题 |
| 文章编号： | 1004-972X(2007)08-0108-03 |
| 修稿时间： | 2007年5月15日 |
Analysis of Small-and-Medium-sized Enterprises Financing Problems Based on the Excessive Liquidity of Commercial Banks |
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| ZHANG Jian-wei.Analysis of Small-and-Medium-sized Enterprises Financing Problems Based on the Excessive Liquidity of Commercial Banks[J].On Economic Problems,2007,336(8):108-110. |
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| Authors: | ZHANG Jian-wei |
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| Abstract: | This essay analyses financing difficulties of small-and-medium-sized enterprises(SMEs) based on the excessive liquidity of commercial banks.The writer believes that besides information asymmetry,the state-owned commercial banks lacking motives for loaning to SMEs is another important reason.The writer puts forward a solution to the problems.The lending motive mechanism of the state-owned commercial banks should be perfected by restructuring banking system,reengineering the operating objective and improving the incentive system. |
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| Keywords: | the state-owned commercial bank excessive liquidity financing of SMEs |
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