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2011年6月中旬,“中小企业划型标准规定”新政出台,首增微型企业划型标准,旨在改善小微企业的融资环境。但依然高位的准备金率、“倒逼”机制和“额度”寻租等现象的存在,小微企业融资难、贵的状况还没有根本缓解。本文从准备金率、存贷比、75%监管红线等角度入手;借助图表、数字推演、逻辑推理和例证等方法展开论述。创新之处在于透过银行吸存表象,运用“倒逼”原理,深度分析高价吸存成本转嫁小微企业的动因、手段和方法,剖析小微企业融资难、贵的本质。
In mid-June 2011, the New Standard for SME Standardization promulgated the first micro-enterprise standardization plan aimed at improving the financing environment for small and micro enterprises. However, the high reserve ratio, the mechanism of “Forced ” and “rent ” such as the phenomenon of rent-seeking exist, the financing of small and micro enterprises is difficult, your situation has not fundamentally alleviated. This article starts from the perspective of reserve ratio, deposit-loan ratio, 75% regulatory red line, etc. with the help of charts, figures, deductions, logical reasoning and examples. Innovation lies in the analysis of the motives, means and methods of transferring the high-cost storage costs to small and micro-sized enterprises through analyzing the phenomenon of bank deposits and using the principle of “forced labor” to analyze the financing difficulties and expensive nature of small and micro enterprises.