关于中小企业网络联保信贷模式的探讨  

An Exploration on the Model of Network Joint Guarantee Loan for SMEs

作　　者：李增福[1] 李杭芝[1] 

机构地区：[1]华南师范大学经济与管理学院

出　　处：《金融论坛》2010年第3期59-62,共4页Finance Forum

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的资助

摘　　要：网络联保信贷是银行与网络运营商合作开发的一种贷款模式。本文的研究认为现有的担保模式不能够满足中小企业的融资需要,而网络联保这种信贷模式能够提高中小企业的违约成本,降低银行的风险和中小企业的融资费用,从而在一定程度上解决了中小企业的融资困境。由于联保方式本身的缺陷和网络的虚拟性,二者的结合也可能会增加风险,政府要加大引导和扶持力度,银行应该加强风险控制,网络公司应该加强信息甄别和管理,从而使这种新的信贷模式能够迅速健康发展,有效解决我国中小企业融资难的问题。Network joint guarantee credit is a model of loan which is cooperatively developed by banks and network operators. The paper argues that the size of current guarantee model can not satisfy the financing demand of SMEs. The network joint guarantee credit can increase default costs of SMEs, and reduce risks faced by commercial banks and financing costs of SMEs. Therefore, such model can solve the difficulty of SMEs in financing to some extent. However, due to the flaws of joint guarantee and the virtual characteristic of network, the combination of the two approaches may increase risks. To ensure a rapid and healthy development of such model and effectively help SMEs saddled with difficulty in financing, government should strengthen guidance and support, commercial banks should strengthen their risk control, and network operators should strengthen screening and management of information.

关 键 词：商业银行 中小企业 企业融资 网络联保 信贷模式 

分 类 号：F832.4[经济管理—金融学]