本文首先介绍了我国中小企业融资问题的相关研究背景和意义、主要内容
和方法以及相关理论成果,接着阐述了我国中小企业的融资情势,并从银企双
方角度出发分析了中小企业通过银行渠道融资难的成因。中小企业融资存在着
一定的地域差异,福建省是以中小企业为主的省份,同时,在 2012 年 12 月,
中小企业数量最多的泉州市也正式获批为第三个国家级金融综合改革试验区,
晋江市作为泉州市的重要下辖县级市,近年来以其特殊的晋江模式慢慢崛起,
发展出以五大支持产业为主产业的中小企业集群,对这些企业如何有效实现融
资进行研究具有重要的代表性和现实意义,对其他地区中小企业的融资或将产
生一定的借鉴作用。本文结合晋江当地银行与中小企业的具体案例,借鉴国内
外先进银行融资模式,总结出中小企业银行融资渠道的创新还是要从银行和中
小企业双方出发才能真正解决融资难题。一方面,中小企业要加强内部控制制
度建设,提高信息的可信度;另一方面,商业银行要进行体制改革,加大服务
产品的创新。
关键词:商业银行 中小企业 晋江 融资渠道2011 年数据,来源于国务院发展研究中心企所副所长马俊在东兴证券第一节中小市值企业投资论坛发言。Abstract
In the 30 years of reform and opening-up, the small and medium-sized
enterprises (SMEs) in our country has got a rapid development, the number of which
has rose from about 100 to 50million from then, to the total enterprises of more than
99%, and play irreplaceable roles during the economy development in china,
especially in creating jobs, stabilizing the economic and the provision of social
services. But they are still in a weak position in access to formal financial support. A
proval rating of bank loan and the contribution of culture towards economic
development are out of proportion and that seriously hampered restriction to the
development of SMEs. Particularly, in current austere economic climate, the SMEs
are still facing with even hard competition. Lots of scholars in society have engaged
in the topic of how to ameliorate SMEs’ financing problem through using bank
financing vehicles.
This paper first introduces the research background and significance of SME
financing , the main content and methods, and related theoretical results, and then
expounded the financing situation of SMEs in China , and from the point of view of
both the bank and SME financing through banking channels difficult causes. SME
financing there are some regional differences , mainly in the provinces of Fujian
Province based SMEs , while in December 2012 , the largest number of SMEs in
Quanzhou officially approved as a third national comprehensive reform pilot financial
District , Jinjiang City, Quanzhou as an important county-level city under the
jurisdiction of , in recent years its special Jinjiang mode slowly rise , the development
of supporting industries in the five main industries of SME clusters , how to
effectively achieve these companies financing research has important practical
significance and representativeness , financing or will have some reference to other
parts of the SMEs. In this paper, the specific case of Jinjiang local banks and SMEs ,
learn from the advanced mode of bank financing , bank financing channels summed
innovative SMEs or SMEs from banks and financing of both starting to really solve
the problem . On the one hand , SMEs should strengthen internal control system to
improve the credibility of the information ; on the other hand , commercial banks
should be reform, increase innovation and service products .
Key Words:Commercial bank Medium-sized and small enterprises Jin Jiang
Financing mode