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金融部门针对中小企业的信贷创新必须以免抵押、免第三方担保的“自助贷款”方式推进,这将带来信贷风险与管理成本的双高。为此,只有结合中小企业的特点,在客户选择、信贷调查上运用有别于传统方法的新的认定标准,才能在众多的企业中慧眼识珠、择优扶持,并通过一定的监管措施和补偿机制,使中小企业信用贷款稳步推进,从而破解中小企业融资难题,提高中小企业竞争力,促进国民经济的又好又快发展。
The credit innovation for SMEs in the financial sector must be backed up with a “self-service loan” approach that is free from collateralization and exemption from third-party guarantees. This will result in a double high credit risk and management cost. To this end, only by combining the characteristics of SMEs, customer choice, credit investigation using different from the traditional methods of new accreditation standards in order to Huiyanshuzhu numerous enterprises, merit support, and through certain regulatory measures and compensation Mechanism so that SMEs credit loans steadily pushed forward, so as to solve the financing problems of SMEs, improve the competitiveness of SMEs and promote the sound and rapid development of the national economy.