建立社区银行--解决中小企业融资难问题的路径选择

中小企业融资难已经成为影响我国国民经济增长、经济结构调整和社会经济稳定与发展的战略性问题,融资难问题不解决,中小企业不可能得到正常发展,国民经济各方面都会受牵连。交易成本高、信息不对称、中小企业在信贷筛选中一般也处于不利地位、中小企业经营风险较大是中小企业融资难的经济学原因,需要建立社区银行,完善金融体制的组织体系,需要社区银行的产品创新、机制创新和服务创新。

To Resolve Problem of SMES' Raising Money by Establishing Community Bank

It's difficult for Small-and-mediumscale enterprises(SMES) to raise money,which has been a strategic problem to influence national economy development,economic structure adjustment and social economy stability.The reasons why SMES raise money difficultly conclude high exchange cost,dissymmetric information,more run risks.It's of more importance for SMES raising money to establish community bank.