论文部分内容阅读
近两年来,“小企业融资”成为媒体和社会关注的一个热门话题,各家商业银行纷纷将小企业作为大力争取的目标客户,以调整经营结构,加强资金流动性,规避信贷风险。各地农村信用社也结合地区经济的发展,针对服务区域内涉农小企业的信贷需求,尝试推出各种业务新品。例如,天津的“信用共同体”和“大联保”贷款,作为农村信用社支持小企业的信贷创新,已取得较为成功的经验,各地农村信用社纷纷效仿。这种小企业贷款方式将农户小额信用贷款和农户联保贷款的成功经验嫁接应用,是农村信用社在小企业信用贷款和联保贷款方面的主动探索。
In the recent two years, “financing of small enterprises” has become a hot topic of media and social concern. Various commercial banks regard small enterprises as the target customers that they strive for earnestly in order to adjust their operating structure, enhance capital liquidity and avoid credit risk. RCCs in various regions have also tried to launch various business new products in light of the credit demand of small-and-medium-sized agriculture-related enterprises in service areas in combination with the development of regional economy. For example, the “Credit Community” and “WBL” loans in Tianjin have gained relatively successful experience as credit innovations for rural credit cooperatives in supporting small enterprises. Rural credit cooperatives in all parts of the country follow the example one by one. This small-scale enterprise loan application grafts the successful experience of small-sum credit loans of farmers and the successful loans of peasant households, and is an active exploration of rural credit cooperatives in terms of credit loans of small enterprises and guaranteed loans.