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2017年第16期:小微融资领域三大问题应予以重新审视

作者:朱 锦 唐露萍
时间:2017年12月18日        字体:           点击量:

  摘要:为深入了解小微企业融资问题,人民银行南昌中心支行近期在全省开展调查。结果表明,应对小微企业融资领域三大问题予以重新审视:一是笼统说“小微企业融资难”不准确,调查结果表明,有效融资需求已被很好满足,要肯定金融支持有效性;二是对小微贷款高风险的认定不准确,贷款风险与企业规模和行业无必然联系,银行风险管理水平是重要影响因素;三是对小微企业融资需求的认定不准确,存在高估潜在需求的可能。

  关键词:小微企业;融资难;风险高;有效融资需求

  作者:中国人民银行南昌中心支行  朱 锦   唐露萍

  Three Perspectives in the Field of Small and Micro-sized Enterprises’ Financing

  Need to be Re-examined

  Abstract:To get a deeper understanding about the financing problems of Small and Micro-sized Enterprises (hereafter SMEs), Nanchang Central Branch of the PBC conducted a provincial investigation recently. It is found that three perspectives about SMEs’ financing problems need to be re-examined. Firstly, the general judgment that SMEs have great difficulties in financing is not accurate. Investigation results show that most of SMEs’ effective credit demand have been met. We need to recognize the effectiveness of financial support. Secondly, the general judgment that SMEs’ loan is of high risk is not accurate. The risk of bank loan is not necessarily related the sector and size of a enterprise. Risk management techniques of bank is a very important factor. Thirdly, the judgment about SMEs’ effective financing demands is not accurate. There are possibilities that the SMEs’ demands for credits are overrated.

  Key words: Small and Micro-sized Enterprises(SMEs); Difficulties in Financing; High Risk; Effective Financing Demand

  声明:《中国金融论坛工作论文》旨在促进与经济金融学界的学术交流与研讨,推动社会力量加强对相关问题的研究。论文内容仅代表作者个人学术观点,不代表中国金融论坛、中国人民银行研究局及中国人民银行金融研究所的观点。任何公开报道或引用,请注明来源为《中国金融论坛工作论文》。来源网站:http://www.cff.org.cn

  全文下载:2017年第16期—小微融资领域三大问题应予以重新审视.pdf

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