大银行、小企业与网络联保  

Big Banks,Small Enterprise and Network Joint Guarantee

作　　者：吕士伟[1] 

机构地区：[1]中国人民银行济宁市中心支行,山东济宁272119

出　　处：《金融发展研究》2009年第9期24-27,共4页Journal Of Financial Development Research

摘　　要：网络联保贷款模式是电子商务领域的信用信息供给与商业银行需求之间的合作,实现了商业信用和银行信用的捆绑与整合,缓解了中小企业的信用信息不足,有效降低了银企间的信息不对称问题。网络联保贷款作为正规金融的制度创新,给出了大型银行服务中小企业的全新模式,同时实现了互助联保应用领域上的跨越,顺应了网络经济的发展趋势,拥有巨大的发展潜力,理应在更大区域推广,成为解决中小企业融资困境的有效途径。The network joint guarantee pattern is the cooperation of electronic commerce domain credit supplies and bank credit need, realizing the commercial credit and the bank credit bundle and conformity, easing the shortage of credit information of medium-sized enterprise, reducing information asymmetrical question effectively between the bank-business. The network joint guarantee as the formal financial system innovation, gives the brand-new pattern of the Large bank to serve the small and medium-sized enterprise, simultaneously realizing in application domain spanning of the mutual guarantee, complied with the network economy trend of development, having the huge development potential, should be promoted in the wide range, becoming efficient path to solve the small and medium-sized enterprise financing difficult question.

关 键 词：网络联保 信用 电子商务 

分 类 号：F830[经济管理—金融学]