基于流动性过剩的中小企业融资分析  

Analysis of Small-and-Medium-sized Enterprises Financing Problems Based on the Excessive Liquidity of Commercial Banks

作　　者：章建伟[1] 

机构地区：[1]南京审计学院金融学院,南京210029

出　　处：《经济问题》2007年第8期108-110,共3页On Economic Problems

基　　金：江苏省高校哲学社会科学基金项目(06SJB790019);南京审计学院资助项目(NSK2006/B26)

摘　　要：以商业银行流动性过剩为背景,对我国中小企业融资难问题进行分析。认为除信息不对称外,国有商业银行对中小企业信贷动力不足是导致我国中小企业融资难的又一重要原因。为此提出通过再造银行体系、重塑国有商业银行经营目标及完善内部激励制度来健全对中小企业信贷的动力机制。This essay analyses financing difficulties of small - and - medium- sized enterprises （SMEs） based on the excessive liquidity of commercial banks. The writer believes that besides information asymmetry, the state- owned commercial banks lacking motives for loaning to SMEs is another important reason. The writer puts forward a solution to the problems. The lending motive mechanism of the state - owned commercial banks should be perfected by restructuring banking system, reengineering the operating objective and improving the incentive system.

关 键 词：国有商业银行 流动性过剩 中小企业融资 

分 类 号：F276.3[经济管理—企业管理]