摘要
近年来,为切实提高金融供给适配度,缓解小微、民营企业融资难题,中央政府适时推出金融供给侧结构性改革,各级政府密集出台相关文件,落地落实政策要求,取得了一定的政策效果。但就目前来看,经济中仍存在一些金融供给与企业融资需求不匹配现象。本文从商业银行视角,梳理当前金融供需不匹配方面存在的突出问题,探讨商业银行缓解金融供需不匹配问题的着力点,并提出相关政策建议。
Recently,in order to effectively improve the degree of financial supply adaptation and alleviate the financing problems of small and micro enterprises as well as private enterprises,the central government has timely introduced financial supply-side structural reforms.Governments at all levels have issued relevant documents intensively to implement policy requirements and achieved certain policies effect.But for now,there are still some mismatches between financial supply and corporate financing needs in the economy.From the perspective of commercial banks,this paper sorts out six outstanding problems in the current mismatch between financial supply and demand,discusses the key points for commercial banks to alleviate the mismatch,and proposes relevant policy recommendations.
作者
倪进峰
NI Jinfeng(Postdoctoral Workstation of China Zheshang Bank,College of Economics,Zhejiang University,Hangzhou Zhejiang 310000)
出处
《西部金融》
2020年第8期22-25,共4页
West China Finance
关键词
金融服务效率
融资需求
融资渠道
资金期限结构
financial service efficiency
financing demanders
financing channels
fund term structure.
