| 中小企业银行模式的国际比较及其历史经验批判——兼论我国科技银行的设立 |
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| 引用本文： | 李增福.中小企业银行模式的国际比较及其历史经验批判——兼论我国科技银行的设立[J].经济经纬,2010(2). |
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| 作者姓名： | 李增福 |
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| 作者单位： | 华南师范大学经济与管理学院,广东,广州,510006 |
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| 基金项目： | 广东省哲学社会科学基金项目(09E-10);;广州市第20次社会科学研究基金资助项目 |
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| 摘 要： | 中小企业融资的困难在于银行资金的安全性和中小企业风险性之间的矛盾,解决这个矛盾有两条路径,一个是风险资金以银行形式向中小企业贷款;另一条路径是通过担保机构过滤风险。由于中小企业的外部性问题,担保机构可由国家财政扶持的中介机构来担当。以这个理论框架作为基础,本文对世界上几个典型的中小企业专业银行进行了全面考察,并对我国商业银行为中小企业贷款的历史和目前成立的科技支行的现状进行了分析,提出了政府的政策性支持和商业银行的商业性融资在中小企业内部结合,而不是在商业银行内部结合的观点,对我国商业银行对中小企业融资和政府对中小企业政策性支持都具有一定的现实意义。
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| 关 键 词： | 中小企业银行 政策性 商业性 风险 |
International Comparison of SME Banking Models and Criticism of Their Historical Experience——A Concurrent Discussion of the Foundation of Science and Technology Bank in China |
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| LI Zeng-fu.International Comparison of SME Banking Models and Criticism of Their Historical Experience——A Concurrent Discussion of the Foundation of Science and Technology Bank in China[J].Economic Survey,2010(2). |
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| Authors: | LI Zeng-fu |
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| Institution: | School of Economics and Management;South China Normal University;Guangzhou 510006;China |
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| Abstract: | The financing risk of SMEs lies in the contradiction between the security of bank funds and the risks of SMEs.The contradiction has two solutions:one is risky fund loaning to SMEs in the name of banks;the other is filtrating risks through guarantee organizations.Because of the exterior problems of SMEs,the agencies supported by the state finance can act as the guarantee organizations.Based on this theoretical framework,the author reviews several typical SME banks from all aspects,analyzes the history of Chi... |
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| Keywords: | SME bank policy property commercial property risk |
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