摘要
破解小微企业融资难的前提是将小微企业分成优质小微企业、次优小微企业及资质欠佳小微企业三类。现阶段研究解决小微企业融资问题,应将重点放在次优小微企业群体上。政府在税收政策、法律保护等方面为次优小微企业发展提供了有利条件。商业银行开发次优小微企业金融培育系统,具有明显的客户信息资源优势和金融产品优势等。商业银行应做好企业间融资的媒介与平台、推动次优小微企业的重组整合、开展次优小微企业融资租赁业务、探索金融支持企业互助机制等途径,以开发次优小微企业金融培育支持系统。
The premise of solving difficulties in small and micro-enterprise financing is to divide small and micro-enterprises into three kinds, the high-quality, the sub-prime and the poor-quality. To solve difficulties in small and micro-enterprise financing, currently the sub-prime small and micro-enterprises are the key. Commercial banks are the main institutions to develop financial cultivation system for small and micro-enterprises, and have obvious advantages in customer information resources and financial products. Commercial banks may build media and platform for financing between enterprises, promote the reorganization and integration of sub-prime small and micro enterprises, develop financing and leasing business of sub-prime small and micro-enterprises, explore the mechanism of financial support for mutual assistance between enterprises, etc. to develop financial cultivation and support system for small and micro-enterprises.
出处
《金融论坛》
CSSCI
北大核心
2014年第8期75-79,共5页
Finance Forum
关键词
商业银行
次优小微企业
金融培育系统
小微企业融资
commercial bank
sub-prime small and micro-enterprise
financial cultivation system
small and micro-enterprise financing
