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小微企业融资难是一个长期存在的社会难题。能否按照商业可持续原则,调动各相关方的积极性,尤其是激发当前仍为小微企业融资主渠道的银行业机构的内生动力,是推动小微企业融资难问题逐步缓解的关键所在。本文拟从成本收益角度,剖析大型银行与中小银行在小微企业授信决策方面的共性和差异性,探索在现行金融组织架构下纾解小微企业融资难的有效模式和路径。
Small and micro enterprise financing is a long-standing social problem. Whether the initiative of all parties concerned can be mobilized in accordance with the principle of commercial sustainability and in particular the endogenous motivations of banking institutions that are still the main channels of financing for small and micro enterprises is the key to gradually easing the financing difficulties for small and micro enterprises. This article intends to analyze the commonalities and differences between large banks and small and medium-sized banks in the credit decision-making of small and micro-sized enterprises from the perspective of cost-benefit, and explore effective modes and paths for alleviating the financing difficulties of small and micro-enterprises in the current financial organization.