普惠金融背景下小微企业融资创新研究——以微商企业为例.pdfVIP

普惠金融背景下小微企业融资创新研究 ——以微商企业为例 摘要 随着我国经济增长速度逐步放缓，经济下行压力持续加大，企业生存备受 战。尤其是小微企业在融资渠道、融资成本以及信贷支持等方面，都存在劣势， 其发展过程中“融资难、融资慢、融资贵”问题逐渐凸显。在经济发展新常态下， 在大众创业、万众创新的浪潮中，发展普惠金融的意义更加凸显。在传统金融服 务难以有效覆盖的领域，有必要大力推动普惠金融的发展，通过互联网金融及供 应链金融等创新金融模式，来增加金融供给，支持小微企业。本文通过了解小微 企业的融资情况，融资难题，探究在普惠金融的背景下，提出针对小微企业融资 难题的具体扶持方案。本文提出了大力向小微企业宣传推广普惠金融平台，并且 并且提供降低征税税率和还款利息等利好政策的建议。 关键词：普惠金融，小微企业，融资 Research on Financing Innovation of Small and Micro enterprises Under the Background of Inclusive Financial System--A Case of Small Business Enterprises Abstract With the gradual slowdown of Chinas economic growth rate, the economic downward pressure continues to increase, the survival of enterprises is facing challenges. In particular, small and micro enterprises have disadvantages in terms of financing channels, financing costs and credit support, etc. During their development, the problems of difficult, slow and expensive financing gradually emerge. Small and micro businesses do not have the same easy access to large loans as large companies. Despite a series of policies issued by relevant departments, it is difficult for small and micro enterprises to match their important position in the national economy in obtaining the sources of funds needed for development, and the financing difficulty is becoming a bottleneck restricting the development of small and micro enterprises. Under the new normal of economic development and in the tide of mass entrepreneurship and innovation, the significance of developing inclusive finance has become more prominent. Pratt whitney financial means based on equality of opportunity and sustainable business principles, through the guidance of strengthening policy support, to strengthen the construction of the financial system, improve the financial infrastructure, demand for financial servic