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做小企业贷款,这是银行的普遍难题。如果以实力弱小的小银行来做小企业尤其是微小企业的贷款是不是难上加难呢?这样的难题正在被慢慢“攻克”。浙江泰隆商业银行、江苏江阴农村商业银行等一大批小银行已经或者说正在摸索一条以小银行特有的方式解决小企业尤其是微小企业融资难题的路子,实现了经济效益、社会效益的双赢。本期一线话题实地采访了中国银监会台州监管分局局长林奇、浙江泰隆商业银行行长王官明、江苏江阴农村商业银行董事长赵益及中国社科院中小银行研究基地副主任胡滨,共同探讨小企业融资中的小银行角色。
To do small business loans, which is a common problem for banks. If it is not difficult to make loans for small businesses, especially small businesses, with small and weak banks? Such problems are slowly being “overcome.” A large number of small banks such as Zhejiang Tailong Commercial Bank and Jiangsu Jiangyin Rural Commercial Bank have already explored or are finding a way to solve the financing problems of small enterprises, especially micro-enterprises, in a way peculiar to small banks, realizing a win-win economic and social benefits. This issue of front-line topics interviewed the director of Taizhou Supervision Branch of China Banking Regulatory Commission Lynch, Wang Guanming, president of Zhejiang Tyrone Commercial Bank, Zhao Yi, chairman of Jiangsu Jiangyin Rural Commercial Bank, and Hu Bin, deputy director of the Research Center of Small and Medium-sized Banks of Chinese Academy of Social Sciences Small bank role in corporate finance.