| 中小企业融资与信用理财产品开发研究 |
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| 引用本文： | 孙金钜.中小企业融资与信用理财产品开发研究[J].经济研究导刊,2009(30):45-46. |
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| 作者姓名： | 孙金钜 |
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| 作者单位： | 上海财经大学,经济学院,上海,200433 |
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| 摘 要： | ＂融资难＂问题是制约中小企业发展的重要瓶颈,＂只贷不存＂和＂信息不对称＂让小额贷款公司和商业银行分别陷入了自己向中小企业贷款的相对困境。通过信用理财产品,可以将小额贷款公司和商业银行的优势互补,降低信息不对称成本和交易成本,从而解决中小企业的融资困难问题。
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| 关 键 词： | 中小企业 小额贷款公司 商业银行 信用理财产品 |
Financing of Small and Medium-sized Enterprises, and Research on the Development of Credit Financial Product |
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| SUN Jin-ju.Financing of Small and Medium-sized Enterprises, and Research on the Development of Credit Financial Product[J].Economic Research Guide,2009(30):45-46. |
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| Authors: | SUN Jin-ju |
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| Institution: | SUN Jin-ju (Shanghai University of Finance and Economics, School of Economics, Shanghai 200433, China) |
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| Abstract: | The problem of＂financing s difficult＂is the bottleneck restraining the development of small and medium-sized enterprises.＂Only loan,no deposit＂and＂information asymmetry＂put small loan company and commercial bank into a dilemma respectively.Through the credit financial product,we can take the complement advantage of small loan company and commercial bank by reducing the information asymmetry cost and trading cost,thus solve the small and mediumsized enterprises problem of＂financing’s dif-ficult＂. |
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| Keywords: | small and medium—sized enterprise small loan company commercial bank credit financial product |
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