新时代破解小微企业融资困境的实践与创新——以湖北省为例

Practice and Innovation on Solutions of Financing Difficulties of SMEs in the New Era——Based on the Example of Hubei Province

新时代我国小微企业面临许多新的发展机遇和严峻挑战,融资问题严重困扰着小微企业的生存和前景。本文基于湖北省近年实践和相关数据,首先阐述了小微企业融资现状,然后从社会环境、金融体系、小微企业自身三个层面,分析了小微企业融资中存在的主要问题,最后,结合我国经济社会的新时代特征,针对湖北省具体域情,着重探讨了破解小微企业融资困境的实践与创新之路,包括多方协力,积极营造良好的融资环境;开拓创新,强化金融体系服务职能;夯实基础,加强小微企业自身建设。

SMEs of China face many new challenges and opportunities in the New Era.The survival and the future of SMEs are plagued seriously by financing difficulties.Based on the financing practice and relevant data of SMEs in Hubei Province,this article expounds the financing situation of SMEs.And then,from three aspects of the social environment,the financial system and SMEs itself, this article analyzes the main problems of financing difficulties of SMEs.Finally,combined with the economic and social feature of China in the New Era,this article explores some new solutions to resolve financing difficulties of SMEs for the specific of Hubei Province:to create a good environment for financing with multilateral efforts;to strengthen service function of the financial system through financial innovation ;to reinforce the construction of SMEs itself by consolidating foundation.