中小微企业融资新途径——贷款连坐融资工程

• 作 者: 吴恒 金嘉诚 李旭红
• 机 构: 浙江财经大学财政与公共管理学院,
• 出 处: 特区经济
• 发表日期: 2014年11期
• 关键词: 小微 中小微企业 金融机构信贷 贷款连坐 尤努斯 乡村银行 金融机构 银行家 风险共担 孟加拉

近些年来,作为我国经济晴雨表之一的中小微企业面临着融资难、成本高的发展困境,本方案以“风险共担,责任连坐”为原则,吸收并借鉴孟加拉银行家尤努斯关于建立乡村银行来解决融资难问题的理论经验,结合中国金融机构信贷和企业融资的现实状况,为浙江省中小微企业制定出贷款连坐融资新途径,从而减轻其融资发展负担,促进其持续健康有序发展。

In recent years, as one of the barometer of our economy, small and medium-sized micro-enterprises are faced with difficulties in financing and high cost. Based on the principle of “shared risk and responsibility,” the plan assimilates and draws lessons from Banker Yunu Sri Lanka’s theory and experience on establishing a rural bank to solve the problem of financing, combined with the actual situation of China’s financial institutions, credit and corporate finance for the development of small and medium enterprises in Zhejiang Province, a new way to finance loans, thereby reducing the burden of financing development and promote its sustainable Healthy and orderly development.