从国开行的统贷模式探讨中小企业融资难题

中国中小企业的组织形式、企业规模等因素,决定了股票和债券市场不可能成为其有效的融资渠道。没有足够的可抵押资产及相应的担保更无法获得银行贷款。国家开发银行开创性的创造出了一个开放性的融资体系。这个融资体系包括一个向中小企业提供贷款的平台和一个为贷款提供担保的平台。这种开放式融资体系中的贷款模式有效的破解了中小企业融资市场中的规模难题、软信息难题及担保难题,为商业银行提供了有效借鉴。

Study of Small to Medium Enterprises Fund Raising Difficulty From the Whole Lending Model of State own Banks

Factors such as the formation of small to medium enterprises in China and the scale of the enterprise decide that it's impossible for stock and bond market to become a effective fund raising channel.Without sufficient asset mortgage and related guarantee,it's impossible to get loan from bank.State owned developing bank implements a innovative and open fund raising system.This fund raising system provides platform for small to medium enterprises lending and loan guarantee.This open fund raising system solves the following problems effectively: the scale problem for small to medium enterprises in fund raising market,soft information problem and guarantee problem.It sets a good example for commercial banks.