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银行中小企业贷款的效益与风险分析
引用本文:何自力.银行中小企业贷款的效益与风险分析[J].金融论坛,2006,11(1):34-38.
作者姓名:何自力
作者单位:华南理工大学
摘    要:中小企业贷款具有“信息不对称”和“小、急、频”等特点,这增大了商业银行的审查监督成本,降低了银行在中小企业贷款方面的积极性。对此,已有文献提出组建民营银行专门为中小企业服务、国有银行民营化、设立银行中小企业贷款最低比例限制等解决方案。本文认为,讨论中小企业银行融资难问题的解决,首先要解决银行发放中小企业贷款的风险与收益是否能够平衡的问题。为此,本文对目前我国中小企业银行融资的风险与收益的结构进行了剖析,研究了中小企业贷款利率水平与成本及风险调整后收益的关系,提出了中小企业贷款成本及风险调整后收益不低于其他优质贷款的建议利率水平。

关 键 词:中小企业贷款  信息不对称  交易成本  贷款抵押  效益  风险
文章编号:1009-9190(2006)1-0034-05

Economic Returns and Risk from Loans for SMS Enterprises
He Zili.Economic Returns and Risk from Loans for SMS Enterprises[J].Finance Forum,2006,11(1):34-38.
Authors:He Zili
Abstract:Loans for small-and-medium-sized enterprises are characterized by information asymmetry, being small, urgent and frequent, which increases the cost of commercial banks in exercising inspection and supervision and dampens their enthusiasm in extending loans to SMS enterprises. Therefore, solutions are offered by documents available such as establishing non-government banks targeted at SMS enterprises, privatizing state-run banks and setting up the bottom loan ratio of loans to SMS enterprises, and etc. On this topic, it is argued by the present paper that solutions to SMS enterprises saddled with difficulty in financing must be preceded by a balance achieved between risk of and returns from extending loans to SMS enterprises. To this purpose, the structure of related risk and returns is analyzed, the relationship between interest rate on one hand and cost and returns after risk adjustment on the other is studied and an interest rate is proposed, which is not lower than other quality loans after cost and risk are readjusted.
Keywords:loans for small-and-medium-sized enterprise  information asymmetry  transaction cost  loan on security  returns  risk
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