银行利率与中小企业的共存发展.docVIP

摘要 随着中国经济的发展,中小企业对经济的贡献受到各方关注。中小企业在促进产业结构调整,提供多元化服务,解决就业等问题上发挥着越来越重要的作用,成为加快中国经济发展的一支重要力量。而中小企业融资难问题却一直得不到解决, 主要体现为中小企业难以从银行系统获得金融支持。随着利率市场化进程的逐步加快，银行在信贷资产定价方面逐步取得了更多自主权，但中小企业的融资困难问题并未得到根本性的转变和突破。严重制约着它的进一步发展。随着中国经济体制改革的进一步深入,利率市场化成为必然趋势。假设经济中利率市场化已经实现,来探讨利率市场化条件下中小企业融资的有利条件,同时指出即使利率市场化已经实现,由于借贷双方的信息不对称,利率市场化对解决中小企业融资难的作用,也会缩水。进一步提出了利率市场化条件下的融资约束,并提供了一些旨在解决借贷双方信息不对称的对策。?? 关键词 利率市场化 中小企业融资 银行? Abstract 随着中国经济的发展,中小企业对经济的贡献受到各方关注。中小企业在促进产业结构调整,提供多元化服务,解决就业等问题上发挥着越来越重要的作用,成为加快中国经济发展的一支重要力量。而中小企业融资难问题却一直得不到解决, 主要体现为中小企业难以从银行系统获得金融支持。随着利率市场化进程的逐步加快，银行在信贷资产定价方面逐步取得了更多自主权，但中小企业的融资困难问题并未得到根本性的转变和突破。严重制约着它的进一步发展。随着中国经济体制改革的进一步深入,利率市场化成为必然趋势。假设经济中利率市场化已经实现,来探讨利率市场化条件下中小企业融资的有利条件,同时指出即使利率市场化已经实现,由于借贷双方的信息不对称,利率市场化对解决中小企业融资难的作用,也会缩水。进一步提出了利率市场化条件下的融资约束,并提供了一些旨在解决借贷双方信息不对称的对策。 With the development of Chinas economy, the economic contribution of the small and medium-sized enterprise by the parties concerned. Small and medium-sized enterprises in promoting the adjustment of industrial structure, to provide diversified services, play a more and more important role in solving the employment problem, become an important force to accelerate the economic development in china. But the small and medium-sized enterprise financing difficult problem has not resolved, mainly to small and medium-sized enterprises are difficult to obtain financial support from the banking system. With the speeding up of the process of marketization of interest rate, banks in the credit asset pricing gradually gained more autonomy, but the financing difficulties of small and medium-sized enterprises has not been a fundamental change and breakthrough. Seriously restricts its further development. With the further deepening of Chinese economic system reform, interest rate marketization has become an inevitable trend. The marketization of interest rate assumptions economy has been achieved, to explore the favorable conditions for the financing of small and medium-sized enterprises under the condition of interest r