日本安全网融资制度改革及其经济效应分析

Analysis of the Reforms in Japanese Safety-net Financing and the Economic Effects

为有效应对金融危机,使日本经济尽早走出衰退,日本财务省制定了一系列针对新创业企业、中小企业以及农林渔业经营者的政府援助制度即安全网融资制度。日本此次安全网融资制度的内容主要包括,下调利率、放宽融资额度、延长贷款资金使用年限等。这些政策不仅为规模较小的和刚刚起步经营的企业解决了融资难题,而且为创造就业岗位和日本经济复苏起到了重要作用。

The global financial crisis and the lengthy recession had prompted the Ministry of Finance of Japan to develop a range of financing assistance systems, which is known as safety -net financing, to encourage the development of business start- ups, small and medium sized enterprises （SME）, as well as agricultural and fishery sectors. The reforms involve interest - rate cuts, increasing the maximum loan value, and extending the time limit for loans, etc. The policies have helped the financing of small businesses and start - ups, and have played a critical role in creating more job opportunities and facilitating economic recovery in Japan.