银行贷款技术创新对中小企业融资的影响——对中小企业保理融资的实证研究  

Influence of Lending Technology Innovations in SME Financing——Evidence from the Factoring Practices of China's SME

作　　者：梁笛[1] 张捷[1] 

机构地区：[1]暨南大学经济学院,广东广州510632

出　　处：《广东金融学院学报》2007年第5期84-88,共5页Journal of Guangdong University of Finance

基　　金：国家自然科学基金项目(70540018)

摘　　要：从获取中小企业贷款决策信息的角度,相对于大银行而言,小银行具有在关系型贷款和市场交易型贷款上的动态比较优势。保理等新型交易型贷款技术在缓解国内中小企业融资难方面具有不可替代的重要作用,因此应加以开发与推介。商业银行应加强市场交易型贷款技术的引进与创新,并通过开发适合中小企业的金融产品来解决信息不对称和风险控制问题。From the information cost of loan decision-making, the article has compared relationship lending technologies and transaction-based lending technologies dynamic competitive advantage. The article has discovered that the relations loan had the cost superiority of collecting ＂soft information＂ in the traditional credit market. But along with the transaction-based lending technologies innovation of commercial bank and network technology development, collecting information cost has dropped. Transaction-based lending technologies are more important than before. At last, relevant conclusions and enlighten have been made.

关 键 词：贷款技术创新 保理业务 中小企业融资 

分 类 号：F830.5[经济管理—金融学] F830.6