日本中小企业创业金融支援体系研究与借鉴

A Study of Japan’s Financial Support System for Small Businesses and the Lessons to Be Drawn

随着日本《中小企业基本法》的重新修订,中小企业成为日本创新事业的主力军,为此日本形成了以融资、信用保证补充、资本形成为主要内容的融资体系;战后的日本除了对中小企业创业政策上的支援以外,日本政府还专门设立金融机构,用以支持中小企业创业的分工体系、安全体系、创新及信息提供,其多元化的商品设计、创业支持、安全体系及扩大的融资渠道为我国解决经济发展的瓶颈问题——中小企业融资困难提供了借鉴。

Small businesses have become the main force in Japan＇s innovation system along with the amendment of Japan＇s Small Business Basic Law. As a result, a financing system consisting of such main parts as financing, credit guarantee and capital forming has come into being in Japan. Apart from the policy support for small businesses, the government of Japan has also specially set up financial institutions to support the work division systems, security systems, innovation systems and to supply information, whose multiple channels for commodity design, support for business initiating, security systems and extended financing can provide China with useful reference concerning the solution to the bottleneck problem in the economic development of China, the financing difficulty of small businesses, that is.