基于交易费用视角的小微企业银行融资创新

小微企业是我国经济社会发展的重要力量,但长期以来融资难问题一直掣肘着小微企业的发展。作为小微企业融资主要渠道的银行信贷便成为解决其融资困难的焦点所在。从交易费用的视角,探讨小微企业银行融资困难的机理及原因,并针对小微企业产业集群化日趋明显的特征,相应地提出破解小微企业融资难题的商业银行风险定价机制以及小微企业互助抵押贷款、网络联保贷款融资模式等对策。

Bank financing innovation for small and miniature enterprises from the perspective of the transaction costs

Small and miniature enterprises are important force for China′s economic and social development,but for a long time the difficulty in financing has been restricting the development of these enterprises.Bank′s loan as a primary financing channel of small and miniature enterprises has become the focus of solving this problem.This paper,from the perspective of transaction costs,discusses the mechanisms and reasons of financing difficulties of small and miniature enterprises,and in view of their increasingly obvious industrial clustering characteristics,the solutions to solve the difficulty in financing are proposed in terms of improving the pricing mechanisms of commercial bank and the new financing modes of mutual mortgage loans and network joint guarantee loans.