当前我国小微企业融资难的成因分析及对策研究—基于商业银行视角.docVIP

当前我国小微企业融资难的成因分析 及对策研究一基于商业银行视角 ［手商要］改革开放以来，小微企业以其灵活的机制和强大的适应能力，已经逐步成为推动我 国经济持续增长和市场化改革的屮坚力量。然而，与其日益凸显的重要地位相比，小微企业 并未获得与其贡献相配比的金融支持，融资闲境己成为制约小微企业生存和发展的关键瓶颈。 狂当前信贷融资仍属于我国小微企业融资最主流渠道的背景下，如何能让商业银行主动加大 对小微企业的支持力度，己经成为破解小微企业融资难题的重耍抓手。鉴于此，本文试图从 商业银行的视角出发，以国内小微企业融资现状为切入点，对小微企业融资难问题进行成因 分析，然后在此基础上提出一些解决小微企业融资难题的对策建议。 ［关键字］小微企业融资问题商业银行 The Research on the Problem and Countermeasures of Small Micro-enterprisesFinancing-?-from the Perspective of Commercial Bank [Abstract] Since the reform and opening to the outside world, small micro-enterprises has played a huge role in the process of China’s economic development. However，compared to its increasingly important position, the financial support to the small micro-enterprises could not match up with its contribution，financing problem has become the core issue of restricting the survival and development of small micro-enterprises. As the indirect financing is a still mainstream channel of financing for China’s small micro-enterprises, how to make the commercial bank take the initiative to increase financing support to small micro-enterprises, has become the key issue to crack the financing problems of small micro-enterprises. In view of this, this paper attempts to analyze the causes of the financing problem of small micro-enterprises from the perspective of commercial bank，and put forward some countermeasures and suggestions to solve the financing problem of small micro-enterprises. [Key words] Small Micro-enterprises the Problem of Financing Commercial Bank TOC \o 1-5 \h \z HYPERLINK \l bookmark3 \o Current Document \h 一、 国内小微企业融资现状 1 HYPERLINK \l bookmark4 \o Current Document \h （一） 国内小微企业的界定标准 1 HYPERLINK \l bookmark5 \o Current Document \h （二） 国内小微企业融资现状 2 HYPERLINK \l bookmark6 \o Current Document \h 二、 国内小微企业融资难成因分析 4 HYPERLINK \l bookmark7 \o Current Document \h （一） 宏观经济环境方面的分析 4 HYPERLINK \l bookmark8 \o Current Document \h （二） 金融基础设施方面的分析 5 HYPERLINK \l bookmark9 \o Current Document \h （三） 小微企业层面的分析 6