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The Influence of Lifting the Ban on Loan Interest Fixing in Finance for Medium & Small Enterprises and Suggestions about Its Policy
Author(s): 
Pages: 29-32,35
Year: Issue:  3
Journal: JOURNAL OF FUJIAN INSTITUTE OF FINANCIAL ADMINISTRATORS

Keyword:  利率市场化中小企业融资金融生态;
Abstract: 目前,我国金融机构人民币贷款利率已经基本过渡到上限放开、下限管理的阶段.放开贷款定价限制使银行贷款的收益与风险预期能有效挂钩,使贷款利率更好地覆盖风险溢价,从而鼓励商业银行等金融机构更多地为中小企业提供金融服务.但是放开贷款定价限制并不能从根本上解决中小企业融资难问题.现有的对中小企业贷款利率上浮安排,由于信息不对称导致的逆向选择和道德风险问题的存在,影响了资源的优化配置.能承担极高的融资成本和费用的中小企业极为有限,大量的中小企业仍被排斥在正规金融体系之外.本文提出了推行关系型借贷、发展地方性民营中小商业银行、改善金融生态等解决中小企业融资难的政策建议.
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