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最近,读者向我们反映了两个与中小企业融资有关的案例,一个是阿里巴巴与建设银行合作向中小企业贷款,一个是浙江省台州市三门县高枧村的粮食基金会向辖内中小企业融资。这两个案例具有鲜明的对比:一个是彼此陌生的网络组织中的联保,一个是传统的熟人社会里的信用互助;一个是运作19个月的全新的正规金融的制度创新,一个是“默默存在”近14年的非正规金融的民间智慧。到目前为止,这两个案例都在一定程度上解决了中小企业融资中固有的高风险、高成本问题,而在特定的范围内缓解了中小企业的贷款难。我们希望通过对这两个案例以及相关问题的解析,提炼出一些有助于缓解中小企业融资困难的思路和方法。参与本期话题讨论的嘉宾依次为:中国建设银行浙江省分行行长余静波、中国人民大学财政金融学院教授吴晶妹、中国人民银行台州市中心支行行长姚土清和中国社科院农村发展研究所副所长杜晓山。
Recently, readers have reflected to us two cases related to SME financing. One is that Alibaba has lent to small and medium-sized enterprises through cooperation with China Construction Bank. One is that the Food Foundation of Gaoqu Village, Sanmen County, Taizhou City, Zhejiang Province, Corporate financing. There are sharp contrasts between the two cases: one is the UNPROFOR in a stranger network organization, the other is a credit mutual aid in a traditional acquaintance society; one is a brand-new institutional innovation of formal finance that operates for 19 months; one is “Silently exist” in the past 14 years of non-formal financial folk wisdom. So far, both of these two cases have solved the high-risk and high-cost problems inherent in SME financing to a certain extent, and have alleviated the difficulties of SMEs in their loans to a certain extent. We hope that through the analysis of these two cases and related issues, we can draw out some ideas and methods that will help ease the financing difficulties of SMEs. Participants in this issue were: Yu Jingbo, President of Zhejiang Branch of China Construction Bank, Wu Jingmei, Professor of Finance and Economics of Renmin University of China, Yao Tuqing, President of Central Bank of the People’s Bank of China, and Rural Development Institute of Chinese Academy of Social Sciences Du Xiaoshan, deputy director.