普惠金融背景下小微企业融资创新研究——以微商企业为例.docVIP

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，企业生存备受挑战。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

ResearchonFinancingInnovationofSmallandMicroenterprisesUndertheBackgroundofInclusiveFinancialSystem--ACaseofSmallBusinessEnterprises

Abstract

WiththegradualslowdownofChinaseconomicgrowthrate,theeconomicdownwardpressurecontinuestoincrease,thesurvivalofenterprisesisfacingchallenges.Inparticular,smallandmicroenterpriseshavedisadvantagesintermsoffinancingchannels,financingcostsandcreditsupport,etc.Duringtheirdevelopment,theproblemsofdifficult,slowandexpensivefinancinggraduallyemerge.Smallandmicrobusinessesdonothavethesameeasyaccesstolargeloansaslargecompanies.Despiteaseriesofpoliciesissuedbyrelevantdepartments,itisdifficultforsmallandmicroenterprisestomatchtheirimportantpositioninthenationaleconomyinobtainingthesourcesoffundsneededfordevelopment,andthefinancingdifficultyisbecomingabottleneckrestrictingthedevelopmentofsmallandmicroenterprises.Underthenewnormalofeconomicdevelopmentandinthetideofmassentrepreneurshipandinnovation,thesignificanceofdevelopinginclusivefinancehasbecomemoreprominent.Prattwhitneyfinancialmeansbasedonequalityofopportunityandsustainablebusinessprinciples,throughtheguidanceofstrengtheningpolicysupport,tostrengthentheconstructionofthefinancialsystem,improvethefinancialinfrastructure,demandforfinancialservicesataffordablecostofallsocialstrataandgroupstoprovidetheappropriateandeffectivefinancialservices,andtodetermine,farmers,smallmicroenterprises,urbanlow-incomepeopleandpeopl