融资困境、金融创新与小微企业金融支持

Financing Difficulties, Financial Innovation and Financial Support for Small and Micro-sized Businesses

金融支持水平的提高是小微企业高成长的关键因素。当前温州小微企业融资困境有阶段性银行信贷规模收缩和社会融资渠道收窄等外围不利原因,其实质是金融市场机制存在银行等资金供给主体差异化能力有限、小微企业资信及经营稳定性偏弱,以及融资交易双方信息披露不够诸多缺陷。为缓解小微企业的融资困境,可以通过培育新型金融组织,建设与完善金融配套工程。

The increase of financial support is the key to the growth of small and micro-sized businesses. Although the financing difficulty of current Wenzhou small and micro-sized businesses is partly due to the periodic contraction of bank credit and the shrinkage of social financing channels, the main reason is that： the financial market mechanism has problems that the bank and other main supply of fund are limited in differentiation, the small and micro-sized businesses are weak in credit and unstable in operation, and the two financing transaction parties do not disclose adequate information. The financing difficulty of small and micro-sized businesses can be solved by establishing new financial organizations and the supporting financial project.