商业银行对科技中小企业贷款方式的研究  

A Study of the Way about Commercial Bank Lending to Medium and Small Enterprises

作　　者：李增福[1] 李颂[1] 

机构地区：[1]华南师范大学经济与管理学院,广东广州510006

出　　处：《华东经济管理》2010年第3期83-85,共3页East China Economic Management

基　　金：广东省哲学社会科学基金(09E-10);广州市第20次社会科学研究基金

摘　　要：商业银行贷款给科技中小企业面临着高风险,而高收益的要求在我国由于分业经营和利率浮动上限的限制,不能得到满足。文章设计的资产价格浮动利率法和滚动结算法可以使银行贷款给科技中小企业,承担高风险的同时,获得高收益,从而增强商业银行给科技中小企业贷款的激励,解决科技中小企业的融资难题。When a Chinese commercial bank grants a loan to a medium or small enterprise, much more interests than other large companies are always demanded because lending to medium and small companies there always is more risk to the bank. On the other hand, re- quirement of high profits is facing separate operation limitations and restrictions on floating interest rates. This paper explained a Floating Rate Method of asset prices and another called Rolling Settlement Method at the base of this vision, we think that these two ways could ef- ficiently avoid the limitations above, so the bank could acquire high interests when lending to medium and small enterprises.

关 键 词：资产价格浮动利率法 滚动结算法 分业经营限制 利率浮动上限限制 

分 类 号：F276.3[经济管理—企业管理]