企业融资多元化及其监管体系催生  

Enterprise Financing Diversity and the Birth of Supervision System

作　　者：韩爱华 

机构地区：[1]上海银监局统计信息处,上海200120

出　　处：《重庆社会科学》2012年第5期88-91,共4页Chongqing Social Sciences

摘　　要：传统贷款融资渠道已无法完全满足企业融资需求,企业融资呈现多元化发展趋势。表外融资、直接融资、民间融资以及从外资银行和部分非银行金融机构融资等多元化融资趋势成为替代传统银行信贷的新渠道。原因在于,表外融资规避了信贷额度要求、严控信贷使大企业直接融资对信贷的替代效应增强、投融资渠道受阻助推民间资金再度活跃和对中资银行及其他银行业机构信贷调控要求迥异为其他银行业机构信贷超放预留了空隙。要加强对表外业务的跟踪监测,积极推动银行战略发展转型。The enterprises financing shows a diversity development trend, the traditional financing channels have been unable to fully meet the needs of enterprise financing. Diversified financing trend such as the off-balance-sheet financing, direct financing, private financing and financing from foreign banks and non-bank financial institutions has been the alternative to the traditional bank credit channel, The reason is that, off-balance-sheet financing can circumvent the credit amount requirements, the direct financing has more substitution to the big enterprises because of the strict control on the credit, the block of the financing channels promotes the folk capital, the significant different requirements between the Chinese-funded banks and other banking institutions reserve the space. We should strengthen the monitoring of off-balance＇sheet business, and promote the bank strategy transformation.

关 键 词：企业融资 信贷控制 直接融资 民间融资 

分 类 号：F299.233[经济管理—国民经济]