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随着直接融资的快速发展,依赖于银行信贷资金发展起来的传统行业大客户正越来越多地转向直接融资,新兴产业和中小微企业又难以提供足够的抵质押物,银行风险缓释手段创新转型刻不容缓。伴随着经济转型升级,实体经济逐步向轻资产化演变,在此背景下,商业银行在重工业化时代积累的依赖抵质押物的风控手段变得不合时宜。轻资产化的实体经济对信用类贷款提出迫切需求,银行若不能从根本上转变风险缓释思路,可能会面临被融资市场边缘化的风险。
With the rapid development of direct financing, large clients in traditional industries, which rely on the development of bank credit funds, are increasingly turning to direct financing. However, emerging industries and small and medium-sized and micro-enterprises are unable to provide enough collaterals and bank risk mitigation measures Innovation and transformation can not be delayed. With the economic restructuring and upgrading, the real economy gradually evolves into a light asset-based economy. Against this background, the risk control accusations of commercial banks relying on collaterals accumulated in the era of heavy industrialization have become outdated. The light asset-based real economy poses an urgent need for credit loans. If banks can not fundamentally change the thinking of risk mitigation, banks may face the risk of being marginalized by the financing market.