中小企业信贷资源占有能力提升的战略重点

本文以信誉链为分析工具,证明在稳定的信誉链结构下,中小企业融资可以摆脱单个企业的信誉约束,从而在整体上形成以信誉链为“担保”的“融资链”结构。而这种融资链在本质上是一种以大中小型企业“共生”为特征的融资模式。本文认为这种融资模式的建立,有利于减少或消除中小企业与金融机构之间信息不对称的矛盾,从而提升中小企业信贷资源的占有能力。

Strategy Emphasis of Improving the Medium-sized and Small Enterprises' Ability to Occupy Credit Resources

By reputation chain, we prove that under a steady reputation chain' framework, medium-sized and small enterprises (MSEs) get rid of reputation restrain of single enterprise and form a fund circulating chain under guarantee of reputation chain. In its nature, fund circulating chain is a kind of credit model that has a character-enterprise symbiosis. This model is of benefit to decreasing or eliminating contradictory of asymmetrical information between medium-sized and small enterprises and financial setups. And it could improve the ability of medium-sized and small enterprises to occupy credit resources.