我国中小银行支持民营企业面临的难题与破解路径研究  

Research on the Difficulties and Crack Paths Faced by Small and Medium-sized Banks in China to Support Private Enterprises

作　　者：王轶昕 曾琳萱 Wang Yixin;Zeng Linxuan

机构地区：[1]长城华西银行股份有限公司,四川成都610041 [2]西南财经大学天府学院,四川成都621000

出　　处：《西南金融》2019年第4期53-60,共8页Southwest Finance

基　　金：2012年度教育部人文社会科学研究青年基金项目"我国养老基金投资管理的完善与创新研究:基于行为金融的视角"(项目编号:12YJCZH011);"江苏建设多层次社会保障体系研究"(项目编号:ZX18062)

摘　　要：改革开放40年来,民营企业对中国经济的发展起到了不可替代的作用。中小银行作为服务民企的重要力量,其发展与壮大伴随着民营企业的成长。目前,中小银行支持民营企业的探索主要集中在金融组织架构设计、创新产品体系、创新金融服务场景三个方面。但面对2018年以来错综复杂的经济环境,中小银行支持民营企业面临前所未有的困境。从民营企业角度来讲,主要包括自身体制和自身融资模式的脆弱性。从中小银行的角度来讲,主要包括支持民营企业与银行风控的不平衡、金融产品体系尚不完善、金融科技尚不成熟、激励约束体制不健全、社会责任与商业银行收益的矛盾五个方面。因此,要破解上述难题应当从金融供需对接的角度出发,在提升中小银行支持民营企业的供给能力的同时,创造中小银行支持民营企业的保障机制,从而进一步激发民营企业的有效金融需求。In the past 40 years of reform and opening up, private enterprises have played an irreplaceable role in the development of China's economy. As an important force to serve private enterprises, small and medium-sized banks’development and growth were accompanied by the growth of private enterprises. At present, the exploration of small and medium-sized banks supporting private enterprises mainly focus on three aspects: financial organiza. tion structure design, product system innovation, and financial service scenarios innovation. However, in the face of the complicated economic environment since 2018, small and medium banks have faced unprecedented difficulties in supporting private enterprises. From the perspective of private enterprises, issues mainly include the vulnerability of their own systems and financing modes. From the perspective of small and medium-sized banks, issues mainly in. clude five aspects: imbalance between risk control and supporting private enterprises, the financial product system is still not perfect, the financial technology is still immature, the incentive and restraint is not perfect, and the social responsibility and commercial bank income are contradictory. Therefore, to solve the above problems, we should start from the perspective of financial supply and demand docking. While improving the supply capacity of small and medium-sized banks to support private enterprises, we should create a guarantee mechanism for small and mediumsized banks, thereby further stimulating the effective financial needs of private enterprises.

关 键 词：中小银行 民营企业融资 民营经济 实体经济 金融科技 普惠金融 金融支持民营企业 金融风险防控 大数据 金融创新 银行经营转型 金融供给侧结构性改革 

分 类 号：F830.2[经济管理—金融学]