摘要
中小微企业在我国经济发展中的作用日益凸显,缓解中小微企业的融资困难也是社会各界关注的焦点。本文着重对陕西西乡县创新的"诚信贷"业务模式进行分析,为推进中小微企业信用体系建设,缓解企业融资难、融资贵、担保难提供新思路。
The role of micro,small and medium-sized enterprises in China’s economic development has become increasingly prominent.Relieving the financing difficulties of micro,small and medium-sized enterprises has also been the focus of attention of all sectors of society.Xixiang county government in Shaanxi province led the credit risk compensation mechanism for micro,small and medium-sized enterprises,explored the new financing model with the characteristics of increasing the credit of micro,small and medium-sized and the win-win cooperation between government,bank and enterprise,and provides a new idea for promoting the construction of credit systems of micro,small and medium-sized,easing the difficulties,high cost of enterprise financing,and the difficulties in guarantee.
作者
莫江
李静
付玉田
MO jiang;LI jing;FU Yutian(Hanzhong Municipal Sub-branch PBC,Hanzhong Shaanxi 723000)
出处
《西部金融》
2018年第7期72-74,81,共4页
West China Finance
关键词
中小微企业
风险补偿机制
授信管理
micro,small and medium-sized enterprises
risk compensation mechanism
credit management
