稳健货币政策下中小企业融资研究  

Research on the Financing of SMEs Based on the Prudent Monetary Policy

作　　者：崔凤阁 刘冰[2] 张弛[2] 

机构地区：[1]吉林省高速公路管理局,长春130000 [2]吉林大学,长春130022

出　　处：《工业技术经济》2013年第3期77-81,共5页Journal of Industrial Technological Economics

基　　金：吉林省科学技术厅项目"吉林省科技型企业不同阶段资源获取战略研究"(项目编号:20100627)

摘　　要：货币政策的收紧使得中小企业不仅面临融资难、也伴随融资贵的局面。针对当前我国中小企业融资的基本特征,本文剖析了银行信用、商业信用、企业直接信用和民间信用4种模式的特征以及选择依据,以及创新型的贷款担保运作的桥隧模式和路衢模式,提出了政府与市场在相应信用模式与担保模式下的组合措施,进而建立突破中小企业融资困境的基础平台。There are not only the difficulty but also high capital costs for the financing of SMEs based on the prudent monetary policy.In corresponding with the present reseach and survey data,four credit patterns are introduced following with its charactertics and choice criterion.Moreover,the innovational loan guarantee model（Bridge and Tunnel Model and Road Qu Model）is presented.The research shows that the portfolio of government and market are the suitable choice in our country to help the SME finaning.

关 键 词：货币政策 信用模式 贷款担保模式 

分 类 号：F821.0[经济管理—财政学]