摘要
研究探讨小微企业如何选择适合自己需求的融资方式,不同的融资方式其成本和风险是多少,对小微企业的发展有什么影响。分析小微企业融资困难的现状,政府、各类金融机构(国有银行、商业银行、保险公司等)如何发挥自身作用支持小微企业的融资,以及当下互联网金融(主要是P2P平台)的出现是否可以给予小微企业融资新的机遇。就小微企业的融资现状,结合国内外的一些相关经验方法,从政府、金融机构、企业自身三个方面探讨解决小微企业融资困难的对策。
The main purpose of this paper is to explore how small and micro enterprises choose financing methods suitable for their own needs,how much the cost and risk of different financing ways are,and what impact on the development of small and micro enterprises.For small and micro enterprise financing difficulties,the government and various financial institutions(state-owned banks,commercial banks,insurance companies and so on)how to play their own role to support the financing of small and micro enterprises and whether the present Internet Finance(mainly P2P platform)can give small and micro enterprise financing new opportunities.In this paper,the financing situation of small and micro enterprises,combined with some empirical methods at home and abroad,to try to solve the financing difficulties of small and micro enterprises through three aspects of government,financial institutions and enterprises.
作者
梁钰坤
丁胜
LIANG Yu-kun;DING Sheng(School of Economics and Management,Nanjing Forestry University,Nanjing 210037,China)
出处
《经济研究导刊》
2019年第12期84-86,共3页
Economic Research Guide
基金
2018年南京林业大学大学生创新实践项目"出口农产品品牌竞争力分析"(2018NFUSPITP233)
国家自然基金委员会资助项目"面向2035的中国经济林科技和产业发展战略研究"(L1724029)
关键词
小微企业
融资风险
融资成本
融资渠道
解决对策
small and micro enterprises
financing risk
financing costs
financing channels
countermeasures
