小微企业供应链融资问题研究——基于宁波企业的调研

An Study on Supply Chain Financing of Small and Micro Businesses——Based on an Investigation in Ningbo

通过对1 000家宁波中小微企业的调研发现,宁波小微企业众多,但这些企业很难通过传统融资方式获得银行信贷,供应链融资成为缓解宁波小微企业融资难问题的新手段。调查发现小微企业资金需求旺盛,但小微企业实现供应链融资仍面临诸多问题,如供应链聚集风险高,小微企业高分散和高成本性与银行资本逐利性之间存在矛盾,缺乏完整的信用保障体系等。因此解决小微企业融资难问题政府应进一步出台加大对小微企业供应链融资的扶持政策,银行要加强供应链融资产品的设计,小微企业要加强自身信用体系建设。

We can get the following findings according to a survey of more than 1 000 small and medium enterprises. There are many small and micro enterprises in Ningbo and they are rare to access bank credit and other financial support by standard approach, so the supply chain financing becomes a new method for solving the financing problem of small and micro enterprises. It founds that small and micro enterprises have a large demand for funds, but they still have big difficulties in supply chain financing such as high build-up of risk in supply chain, the paradox between the characteristics of high growth and dispersion in small businesses and the nature of profit-driven in banks, and the construction of credit guarantee system needs to be further improved. It points out that more financing policies supporting small and micro business should be put in place, more banking tools be developed and small and micro enterprises should intensify their credit construction.