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种种例证表明,从前连小银行都看不上的“小”企业贷款近来却获得了各大银行前所未有的关注。随着直接融资的发展,商业银行流动性日趋充足,银行机构开始向小企业寻求利润。中国银监会也顺势推动这一进程的发展。2005年,中国银监会《银行开展小企业贷款业务指导意见》的颁布为银行小企业贷款发放提供了政策层面的支持,此外,银监会所提出的“六项机制”对银行机构开展小企业贷款业务具有实际的操作意义。
Various examples show that “small” corporate loans that used to be overlooked by small banks have received unprecedented attention from major banks. With the development of direct financing, the liquidity of commercial banks has become increasingly adequate, and banking institutions began to seek profits from small enterprises. China Banking Regulatory Commission also take advantage of the situation to promote the development of this process. In 2005, CBRC promulgated the Guiding Opinions on Banks’ Lending Business for Small Enterprises to provide policy-level support for the issuance of loans to small business banks. In addition, the “six mechanisms” proposed by China Banking Regulatory Commission (CBRC) The actual operational significance.