本文關(guān)鍵詞： 銀行不良貸款 過橋資金 過橋貸款 資金缺口 產(chǎn)業(yè)轉(zhuǎn)型升級 民間融資 信貸政策 信貸資源 資金周轉(zhuǎn) 人民銀行 　出處：《中國金融》2015年05期 　論文類型：期刊論文

【摘要】：正主持人的話:促進(jìn)小微企業(yè)發(fā)展是國民經(jīng)濟(jì)煥發(fā)活力、實現(xiàn)產(chǎn)業(yè)轉(zhuǎn)型升級的重要推動力。近幾年,在一系列金融政策支持下,商業(yè)銀行對小微企業(yè)的貸款明顯上升。統(tǒng)計數(shù)據(jù)顯示,截至2014年末,小微企業(yè)貸款余額占企業(yè)貸款余額的30.4%,2014年全年新增2.13萬億元。但在經(jīng)濟(jì)下行和商業(yè)銀行不良貸款上升的背景下,小微企業(yè)續(xù)貸這個一直以來的難題當(dāng)下更加凸顯。過橋貸是解決小微企業(yè)續(xù)貸難題的傳統(tǒng)做法,它填補(bǔ)了小微企業(yè)兩次銀行貸款之間的資金缺口,保障了小微企業(yè)的正常經(jīng)營,但由于成本高、風(fēng)險大等問題,這個橋稍有不慎就有可能成為小微企業(yè)的奈何橋。從現(xiàn)實情況看,全面否定過橋貸的存在是不
[Abstract]:The words of the moderator: promoting the development of small and micro enterprises is an important driving force for the national economy to rejuvenate and realize the industrial transformation and upgrading. In recent years, it has been supported by a series of financial policies. Loans to small and micro enterprises by commercial banks have risen significantly. Statistics show that as of end of 2014, the balance of loans for small and micro enterprises accounted for 30.4% of the balance of business loans. In 2014, 2.13 tillion yuan was added, but against the backdrop of a downturn in the economy and a rise in non-performing loans by commercial banks. Bridge loan is the traditional way to solve the problem of small and micro enterprise loan renewal, which fills the gap between the two bank loans of small and micro enterprises. It has guaranteed the normal operation of small and micro enterprises, but because of the problems of high cost and high risk, this bridge is likely to become the Naihe bridge of small and micro enterprises by a little carelessness. From the point of view of reality, it is not necessary to deny the existence of bridge loan in an all-round way
【分類號】：F832.4;F276.3
【正文快照】： 主持人的話:促進(jìn)小微企業(yè)發(fā)展是國民經(jīng)濟(jì)煥發(fā)活力、實現(xiàn)產(chǎn)業(yè)轉(zhuǎn)型升級的重要推動力。近幾年,在一系列金融政策支持下,商業(yè)銀行對小微企業(yè)的貸款明顯上升。統(tǒng)計數(shù)據(jù)顯示,截至2014年末,小微企業(yè)貸款余額占企業(yè)貸款余額的30.4%,2014年全年新增2.13萬億元。但在經(jīng)濟(jì)下行和商業(yè)銀行

【相似文獻(xiàn)】

相關(guān)重要報紙文章 前5條

1 本報記者 李金玲;銀行信貸危機(jī)苗頭初現(xiàn)[N];中國企業(yè)報;2012年

2 中國工商銀行城市金融研究所副所長 樊志剛;支持小企業(yè)融資要以經(jīng)濟(jì)手段操作[N];第一財經(jīng)日報;2013年

3 工商銀行城市金融研究所副所長 樊志剛;支持小企業(yè)融資要用經(jīng)濟(jì)手段[N];人民政協(xié)報;2013年

4 本報記者 蘇莉;“企業(yè)生了病誰來救”[N];湖南日報;2012年

5 記者 肖持鋼;如何突破信用“瓶頸”[N];西安日報;2003年

，

本文編號：1486779