论文部分内容阅读
在我国,小微企业往往意味着较短的生命周期、较高的经营风险、较低的利润回报和较大的资金需求,其融资环境不乐观。因此,如何从小微企业角度出发,寻找创新型的融资模式显得尤为重要。信用共同体融资模式正是在这样的背景下产生的一种新型融资策略。信用共同体融资一般由信贷活动的关联方牵头,将分散的融资方联合起来,组织成为“权责对等、相互联保、利益共享、风险共担”的信用联保体。金融机构对联保体中单个成员发放贷款,信用联保体进行担保,联保体成员相互承担连带保证责任并相互监督约束。本文拟以山
In our country, small and micro-enterprises often mean short life cycle, high management risk, low profit return and large capital demand, and their financing environment is not optimistic. Therefore, how to find an innovative financing model is particularly important from the perspective of small and micro enterprises. The credit community financing model is exactly a kind of new financing strategy that comes out in this background. Generally speaking, credit community financing is led by the related parties of credit activities, which brings together scattered financiers to form a credit union entitled “equal rights and responsibilities, mutual protection, benefit sharing and risk sharing.” Financial institutions to individual members of the UNPROFOR granting loans, credit unions guarantee, members of the UNPROFOR mutual commitment to assume mutual responsibility and mutual supervision and restraint. This article intends to mountain