【摘要】 中小企业的迅速发展,使我国在整体经济不利的环境下保持了较快的增长速度。但是中小企业在取得巨大发展的同时,在信贷市场上却面临着商业银行的信贷配给,陷入融资难的困境。文章试图从信贷配给的视角解释商业银行面对中小企业的信贷配给,用二元经济模式下的双重信贷配给解释中小企业的融资困境,并且提出中小企业解决融资困境的一条可行性途径,即市场利率化,信贷信息联网以及信贷担保体系。更多还原

【Abstract】 The rapid development of medium-and small-sized enterprises has contributed to China’s rapid increasing speed under unfavorable economic surroundings. While these enterprises have achieved rapid development, they are confronted with the credit rationing from commercial banks and run into difficulties. What is the incentive of credit from commercial banks? How to eliminate this phenomenon? On one hand, this articles tries to explain the credit rationing from commercial banks to medium-and small-sized enterprises in terms of credit rationing, and the financing difficulties with the double credit rationing under a dual economic mode. On the other hand, this essay tries to put forward a feasible way out of the financing difficulties, that is, to make the market interest-rated, make the credit information online, and credit guarantee system.更多还原