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近些年来,中国经济的快速发展离不开中小企业的巨大贡献,但是由于中小企业的固有特点及缺陷使得他们面临贷款难的困境,难以扩大发展。“联保贷款”这一新型融资方式的应用一定程度上有效缓解了中小企业贷款难的问题,但2012年爆发的上海钢贸事件又暴露出了它的弊端。本文主要分析了中小企业同行业联保贷款这一方式的优越性、通过分析上海钢贸市场中小企业同行业联保贷款失败的原因以及提出了中小企业同行业联保贷款中有效避免违约风险的方法。
In recent years, China’s rapid economic development can not be separated from the enormous contribution of small and medium-sized enterprises. However, due to the inherent characteristics and shortcomings of small and medium-sized enterprises, they are facing difficulties in lending and difficulties in expanding development. “UNPROFOR ” the application of this new type of financing to some extent effectively alleviate the problem of SME loans is difficult, but in 2012 the Shanghai Steel Trade event revealed its drawbacks. This article mainly analyzes the superiority of this way of guarantee loan for SMEs in the same industry. By analyzing the reasons for the failure of UNPROFOR loans for SMEs in Shanghai steel market and the effective avoidance of default risk in SME loans method.