大多人都認同文創是台灣必須要支持的一條產業, - TopicsExpress

大多人都認同文創是台灣必須要支持的一條產業, 但是銀行不太敢借錢給文創產業似乎也是能令人理解的, 從傳統的借貸關點, 基於授信風險考量, 拿不出任何擔保品的借貸會讓作風保守的銀行業不知道該如何管控風險 蠻好奇國外都是怎麼做的, 似乎可以參考國外如何對軟體產業做放貸, 畢竟軟體業跟文創產業有很大的共通點: 他們都是單純靠"腦袋"裡的idea做生意的, 很少會有不動產或是大量的設備, 但是Silicon Valley的許多Software Start-ups還是有辦法借貸, 甚至一堆"天使基金"搶著要借錢, 因此我蠻認同曾銘宗的想法: 銀行業是時候研究一下該怎麼在這個全新的時代跟新興的產業做放貸生意了, 做得好的人, 搞不好就有機會突破銀行業多年來的微利困境? udn/NEWS/FINANCE/FIN1/%E6%9B%BE%E9%8A%98%E5%AE%97%20%E8%A6%81%E9%8A%80%E8%A1%8C%E6%A5%AD%E6%8C%BA%E6%96%87%E5%89%B5-8107456.shtml

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