中小企业内生性互助联保融资模式的实践:巨野案例  

SMEs Endogenous Mutual Guarantee Association Financing Practice:Juye Case

作　　者：边磊[1] 

机构地区：[1]中国人民银行巨野县支行,山东巨野274900

出　　处：《金融发展研究》2011年第3期62-64,共3页Journal Of Financial Development Research

摘　　要：没有符合银行要求的抵押物和担保,一直是中小企业贷款难的主要原因之一。巨野县农联社为化解中小企业单枪匹马融资难的困境,推出了一款创新型融资产品"互助联保贷款"。目前,互助联保已成为重塑银企关系、强化信用观念、化解金融风险和改善中小企业融资环境的重要手段。No line with the bank collateral requirements and guarantees loans to SMEs has been one of the main financing difficulties.Juye Rural Credit Cooperatives introduces an innovative financial products ＂mutual guarantee association lending＂ to resolve such difficulties.At present,it has become an important means to remodel mutual relationship between banks and enterprises,strength the sense of credit,reduce financial risk and improve financing environment for SMEs.

关 键 词：金融创新 互助联保 内生 融资担保 

分 类 号：F830.9[经济管理—金融学]