市场竞争中的弱势群体融资难问题研究

市场竞争中的弱势群体指中西部农村生活未达到小康的广大农户、中小企业和个体工商户、失业人员。融资难是市场竞争中的弱势群体生存和发展道路上的主要障碍。小额信用贷款模式创造的联户担保、共同承担风险的经济声誉机构 ,是一种全新的经济运行机制 ,是市场竞争中的弱势群体自身克服信用度低、解决生存和发展道路上融资难的根本办法。新的经济运行机制的创造必将改变金融发展史 ,所以 ,金融市场的动员资金、配置资金和分散风险的三大功能的具体内容 ,必须补充、丰富和发展。

Difficulty of Financial Leasing Concerning the Vulnerable Group in the Cause of the Market Competition in China

The term “vulnerable group” in the cause of the market competition refers to most of the farmers in mid-western rural areas, medium-sized and small enterprises, individual industrial and commercial units as well as the unemployed whose living standard falls below the comparatively well-off level. The difficulty of financial leasing for them remains one of the material obstacles for their subsistence and development in the market competition. The financial organization with high reputation of the joint household guarantee and joint responsibility for risk created by the model of small loans boasts a brand-new economic operational mechanism which is an essential way-out for the vulnerable group to avoid their difficulties in both credit and financial leasing in the cause of their subsistence and development in the market competition. The above-mentioned new-created economic operational mechanism is sure to be predictable to rewrite the history of financial development. It is extremely necessary that the content of three vital functions of finance market——initial capital, allocating capital and risk distribution, be complemented, enriched and developed.