中小企业间接融资困境与政府综合金融服务平台的构建  

Small and medium enterprise indirect financing difficulty and government comprehensive finance service platform's construction

作　　者：王淼[1] 

机构地区：[1]天津财经大学经济学院金融系,天津300222

出　　处：《特区经济》2011年第8期285-287,共3页Special Zone Economy

基　　金：天津财经大学科研发展基金项目:"基于供应链金融的银行合格借款者项目源培育模式研究"(Q1015)资助

摘　　要：间接融资是中小企业的主要外源融资渠道,然而银企间信息不对称使许多具有发展潜力的中小企业被银行拒之门外,没有享受到虚拟经济迅速发展所带来的正向效用。本文提出了银行合格借款者项目源培育政府融资服务平台的构建思路,致力于合市场与政府之力解决中小企业间接融资难问题,并为促进实体经济与虚拟经济协调发展提供思路。Indirect financing is the main external financing modes of SMEs.However,many potential SMEs are refused out of the door of banks because of the information asymmetry,which do not enjoy the positive benefits of virtual economy development at all.In this paper we bring up the construction idea of the eligible bank debtor itemsources fostering under the government＇ guide,which is to help resolving the SMEs＇ indirect financing problem forced by the market and the government,and promoting coordinated development between fictitious economy and real economy.

关 键 词：中小企业融资 信息不对称 政府引导 银行合格借款者项目源培育体系 

分 类 号：F275[经济管理—企业管理]