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在台湾地区中小企业的发展历程中商业银行起到了重要的推动作用,台湾地区中小企业金融发展的经验主要有:打造多层次的银行体系、探索多渠道的增信手段、构建全方位的征信机制、落实差别化的监管措施、建立针对性的辅导机制、创建多元化的市场环境。本文建议可借鉴台湾地区经验,采取放宽金融机构准入限制、释放差别监管政策红利、鼓励银银银基银保合作、打造中小企业征信平台和加大资金财税教育支持等措施,以进一步助推中小企业金融发展。
In the course of the development of SMEs in Taiwan, commercial banks play an important role in promoting the development of small and medium-sized enterprises in Taiwan. The major experiences of financial development in Taiwan include: building a multi-level banking system, exploring multi-channel means of increasing credit and building a full range of credit information Mechanism, the implementation of differential regulatory measures, the establishment of targeted counseling mechanism to create a diversified market environment. This article suggests that we can learn from the experience in Taiwan, take measures to relax restrictions on access to financial institutions, release dividends in differentiated regulatory policies, encourage cooperation between banks and bankers in silver and silver, build credit platforms for SMEs, and increase financial, fiscal and tax education support so as to further assist Push the development of SME finance.