商业银行支持小微企业融资的授信模式研究
A Research of Financing Modes of Small and Micro Businesses Supported by Commercial Banks
Abstract
改革开放后小微企业得到了长足发展，对国民经济的发展和促进就业有重要贡献。我国小微企业由四个主要组成部分：个体工商户、家庭作坊式微型企业、以及小型企业。受到自有资金、企业信誉等因素影响，小微企业的发展一直伴随着资金的困扰，与大中型企业相比，小微企业的信贷覆盖率几乎为0。目前小微企业的融资模式以内部融资、银行融资、民间融资、债权融资和股权融资为主，但是小微企业在承担着过重的融资成本的同时，融资需求并没得到满足，而且商业银行提供的融资产品结构也不能满足小微企业需要。综合分析目前商业银行授信模式和小微企业融资模式，提出商业银行支持小微企业融资的新授信模式：“信贷工厂模式”、“商会授信模式”、“网络联保... After the reform and opening up, small and micro businesses win the great development, which has an important contribution to the development of the national economy and employment. There are four parts for our country’s small and micro businesses including individual industrial, commercial households, family workshop type miniature enterprise, and small businesses and so on. Influenced by its own...