| 中小企业的融资困境与金融创新 |
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| 引用本文： | 贾涛.中小企业的融资困境与金融创新[J].吉林师范大学学报,2005,33(5):36-38. |
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| 作者姓名： | 贾涛 |
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| 作者单位： | 威海职业学院经济管理系 山东 |
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| 摘 要： | 当前我国中小企业的融资结构仍应以负债融资为主，从供给和需求两个方面看，中小企业负债融资存 在困难，要降低中小企业贷款的信息成本，无论是国有银行还是民间融资机构，都要注意监督成本问题。因此，加快利率 市场化的步伐、通过金融创新降低银行贷款风险、建立国有银行和中小企业之间的信息中介是解决中小企业融资困难的 关键。
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| 关 键 词： | 中小企业 融资结构 金融创新 利率市场化 均衡 |
| 文章编号： | 1007-5674(2005)05-0036-03 |
| 修稿时间： | 2005年8月20日 |
The Financing Difficulties of M & S Enterprises and Finance Innovation |
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| JIA Tao.The Financing Difficulties of M & S Enterprises and Finance Innovation[J].Jilin Normal University JOurnal:Humanities & Social Science Edition,2005,33(5):36-38. |
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| Authors: | JIA Tao |
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| Abstract: | This paper states that medium and small enterprises(M & S enterprises)should depend mainly on debt financing under current situation in China.It studied the financing difficulties of M & S enterprises from the supply and the demand aspectspointing out that the information cost of M & S enterprises and finance institutions should be reduced.Thereforespeeding up interest rate marketing, reducing the credit risk through finance innovationestablishing the information intermediation between stated-owned banks and M & S enterprises are all important measures to solve the financing difficulties. |
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| Keywords: | M & S enterprises financing structure finance innovation interest rate marketing equilibrium |
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