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在我国市场化经济快速发展,同时又处于国际经济走势下滑的背景下,我国中小企业作为推动市场活力的重要力量,其发展潜力受到广泛关注。而制约中小企业稳步壮大的最大问题仍在于难以获得高质量的资金支持。商业银行作为提供贷款的一大主体,可以通过联保贷款降低风险、与商业中介机构分摊风险、获得政府支持减少风险,并利用滚动利率法达到银行获利目标。
With the rapid development of marketization economy in our country and at the same time under the background of the international economic downturn, the development potentiality of SMEs in our country has drawn extensive attention as an important force to promote market vitality. The biggest problem restricting the steady growth of SMEs still lies in the difficulty of obtaining high-quality financial support. Commercial banks, as one of the main subjects of providing loans, can reduce risks through UNPROFOR loans, share risks with commercial intermediaries, obtain government support to reduce risks, and use the rolling interest rate method to achieve bank profit targets.