“无论多么宏大的房地产设想,如果没有有效的金融支持,往往只是设想。” 日本中小企业融资之道日本中小企业融资体制的最大特点,是与其宏观经济中垄断巨头与中小企业并存的“两重结构”相对应,建立了双重的融资机制。即长期信用银行和信托银行等大型都市银行,承担向大企业提供金融服务的功能;而中小企业的生存和发展,主要依靠在政府支持下逐步建立起来的一整套中小金融机构。日本面向中小企业的金融机构,有民间和政府两大类。民间中小金融机构主要包括地方银行、第二地方银行、信用金库、信用组合、劳动金库等,全国 “No matter how ambitious real estate ideas, without effective financial support, often just imagine. ” Japan’s SME financing the most prominent feature of Japan’s SME financing system is its macroeconomic monopoly giant and SME coexist “Double Structure” corresponds to establish a dual financing mechanism. Namely, large-scale urban banks such as long-term credit banks and trust banks, and they assume the function of providing financial services to large enterprises. The survival and development of small and medium-sized enterprises rely mainly on a complete set of small and medium financial institutions established under the support of the government. Japan’s financial institutions for SMEs, civil and government two categories. Small and medium-sized private financial institutions include local banks, the second local banks, credit vaults, credit portfolios, labor vaults, etc.