摘要
由于中小企业固有的身份劣势,不仅分散的中小企业存在融资难问题,集群企业也同样如此,这在很大程度上制约了中小企业及集群的发展。本文首先从一般意义上分析了大企业与中小企业在贷款风险和贷款成本方面的差异;然后重点考察了中小企业集群的信息传播机制和潜在融资优势。研究结果表明:银行对中小企业贷款成本较高,但不一定存在高风险,特别对集群企业来说,银行可以利用多种信息渠道解决信息不对称问题,贷款风险和成本都可以降低。最后,针对改善中小企业及集群融资环境问题提出了若干政策建议。
Because of inherent disadvantages of small and medium size enterprises, not only dispersed small and medium size enterprises have financing problems, but also the clustered enterprises face the same situation, and the development of enterprises are largely constrained by it. Loan risks and costs of large enterprises and small and medium size enterprises are analyzed in this paper; then information spread mechanisms and potential financing advantages of small and medium sized enterprises are emphatically investigated. The study results show that loan costs are high for small and medium sized enterprises, and loan risks for them are not always in high level. In particular, for clusters enterprises, many information channels can be used by banks to solve the problem of information asymmetry and reduce loan risks and costs, and some policy proposals for financing environment problem of clustered enterprises are put forward ultimately.
出处
《金融理论与实践》
北大核心
2008年第8期57-61,共5页
Financial Theory and Practice
关键词
中小企业
集群
信贷融资
Small and Medium Enterprises
Clusters
Credit Financing
