【作者】 杨胜刚； 丁岚；

【Author】 Yang Shenggang,Ding Lan

【机构】 湖南大学金融学院；

【摘要】 我国中小企业在国民经济中起着举足轻重的作用,但普遍面临融资困难,缺少"金融关怀",在发展中具有明显的"强位弱势"特征。在借鉴并改良日德"主银行"模式的基础上,为缓解我国中小企业的融资缺口,本文构建了新型"主银行"模式。该模式不仅对化解中小企业的融资困境有十分积极的作用,而且为重构我国银企关系及信用担保体系提供了契机。此外,新型"主银行"模式的发展和完善,还将为中小企业的有序成长以及农业产业化开创新局面。更多还原

【Abstract】 Small and Medium Enterprise in China is a special enterprise group of extremely strategic importance in the development of the economy,but the loan dilemmas and risk that Small and Medium Enterprise face in survival,and without any"Financial Supportive".It’s a common characteristic for Small and Medium Enterprise to be"in high position but with low potency".On the basis of consult and improve the model of"Japan&Germany Main Bank",I construct the model of"New Main Bank"to relieve the loan dilemmas of Small and Medium Enterprise in China.This new model could not only solve the loan dilemmas but also setup the new relationship between bank and the Small and Medium Enterprise,and construct the Credit Guarantee System in China.More than this,development and sophistication of the model of"New Main Bank"would construct a new environment for Small and Medium Enterprise and so on.更多还原