摘要
由于我国正处于转型时期,现有金融制度存在不足,导致中小企业融资困难的同时,却有大量民间资金闲置,诱致性地促动民间借贷制度的产生。这种诱致性制度变迁内生于中小企业经济环境,揭示了民间借贷制度存在的合理性。中小企业的发展离不开民间借贷的支持,我国应该进行金融制度创新,放松直接融资的管制,发展民间借贷市场,使之成为中小企业融资的主渠道,“合理、合法、公开”地发挥作用,有效解决中小企业融资难问题,从而促进中小企业发展。
China is in the transitional period with drawbacks in its existing financial system. This resulted in the fact that while it is difficult for small and medium - sized enterprises （ SMEs ） to raise finance, huge private funds lie idle, inducing the emergence of private lending system. The induced institutional change has its roots in the economic environment of SMEs, revealing the rationality of the existence of private lending system. The development of SMEs can hardly do without the support of private lending. China should make innovations in its financial system, deregulate direct finance , develop private lending market and enable it to become the main finance channel for SMEs and function in a “reasonable, legal and open” fashion, so as to resolute the problem of difficulties in finance for SMEs and boost their development.
出处
《贵州财经学院学报》
2005年第6期51-55,共5页
Journal of Guizhou College of Finance and Economics
关键词
发展
民间借贷市场
中小企业
融资
development
private lending market
small and medium - sized enterprises （SMEs）
financing
