小微企业“信贷断点”的修复机制问题研究  

Study on the Repair Mechanism of the "Credit Breaking Point" of Small and Micro-enterprises

作　　者：中国人民银行菏泽市中心支行课题组 周登宪[1] 

机构地区：[1]中国人民银行菏泽市中心支行,山东菏泽274200

出　　处：《金融发展研究》2016年第10期81-85,共5页Journal Of Financial Development Research

摘　　要：在经济下行背景下,小微企业经常发生还旧贷、续新贷之间的"信贷断点"上的资金链条断裂问题,由此伴生的资金困境甚至破产倒闭的风险愈加突出。山东省巨野县在当地人民银行主导下,确立了小微企业在贷款到期前一个月申请续贷、经贷款银行审查并承诺续贷的制度安排。研究结论表明:第一,"信贷断点"可以通过优化商业银行的内部信贷制度,实现有助于银行稳定优质客户群和企业稳健经营的自我修复;第二,当务之急是,需要确立层级更高的小微企业"信贷断点"外在干预和修复机制,以谋求更大范围的帕累托改进。Under the background of the economic downturn, the small and micro-enterprises often come across the rupture of capital chain in the process of borrowing for repaying and renewing loans. Due to the funding dilemma, the risk of bankruptcy is more prominent, leading to waste of private enterprise resources. Guided by the PBC Heze Branch, the PBC Juye County Sub-branch releases a way of renewing loans seamlessly to relieve this condition effectively. The case study shows that firstly, the ＂credit breaking point＂ problem will be solved effectively through optimizing the internal credit institution of commercial banks, which is helpful for the banks＇ optimal clients and enterprises＇ stable operation to repair by themselves. Secondly, the top priority is to establish an external intervention and repair mechanism of a higher level for the the ＂credit breaking point＂ of small and micro-enterprises, so as to achieve a Pareto improvement of bigger scale.

关 键 词：小微企业 信贷断点 无缝对接 

分 类 号：F830.5[经济管理—金融学]