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间接融资中的所有制因素是导致我国中小企业贷款难的关键因素。本文通过构建间接融资所有制因素分析模型,对比分析了存在与不存在所有制差别的情况,说明利率歧视的经济必然性,并对模型进行了扩展分析,强调了广泛存在于现行投融资体制中的所有制歧视现象。针对所有制歧视,本文提出的对策包括降低交易成本、存量改革和增量改革三方面。
Indirect financing in the ownership of the factors that lead to SMEs in China is a key factor in the difficulty of loans. By building an analysis model of the ownership factor of indirect financing, this paper comparatively analyzes the difference between existence and non-existence of ownership, explains the economic inevitability of interest rate discrimination, and extends the model, emphasizing the ownership discrimination existing widely in the current investment and financing system phenomenon. For ownership discrimination, the countermeasures proposed in this paper include reducing transaction costs, stock reform and incremental reform.