【摘要】：中小企業(yè)融資難是中國經(jīng)濟發(fā)展中的一個長期性難題,主因之一是金融機構(gòu)難以有效規(guī)避放款風險。對20世紀20—30年代上海錢莊業(yè)規(guī)避放款風險的情況進行考察發(fā)現(xiàn),上海錢莊充分利用錢業(yè)公會的權(quán)威性,制定周密且富有操作性的制度規(guī)則對貸款風險進行管理,同時輔以同業(yè)督導和勸誡,保證了錢莊業(yè)整體放款的安全。在每一筆具體放款中,通過審慎的態(tài)度、周密的調(diào)查獲取充分的"軟信息",是錢莊能有效規(guī)避放款風險的關(guān)鍵所在。對近代上海錢莊規(guī)避放款風險的研究,能為當前銀行業(yè)規(guī)避中小企業(yè)放款風險提供經(jīng)驗借鑒。
[Abstract]:The financing difficulty of small and medium-sized enterprises is a long-term problem in China's economic development, one of the main reasons is that financial institutions are difficult to effectively avoid the risk of lending. Based on the investigation of the situation of Shanghai Qian Zhuang Industry avoiding the loan risk in the 1930s, it is found that the Shanghai Bank makes full use of the authority of the money Industry Association to formulate careful and operational institutional rules to manage the loan risk, and at the same time, with the supervision and admonition of the same industry, ensures the safety of the whole loan of Qian Zhuang Industry. In each specific loan, it is the key for banks to effectively avoid the risk of lending through careful attitude and careful investigation to obtain sufficient "soft information". The research on avoiding the loan risk of modern Shanghai banks can provide experience for the current banking industry to avoid the loan risk of small and medium-sized enterprises.
【作者單位】： 中山大學;浙江大學寧波理工學院;
【基金】：國家社會科學基金重大項目“近代中國金融市場發(fā)展與運行研究”(16ZDA133) 廣州市哲學社會科學發(fā)展“十三五”規(guī)劃課題“企業(yè)信息披露對融資成本影響的研究:基于投資者有限關(guān)注的視角”(2016GZQN13)
【分類號】：F832.9

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