关于解决小微企业融资难问题和发展融资担保体系的思考

The Reflection on Solving the Difficulties in Micro and Small-sized Enterprises' Financing and Developing the System of Financing Guarantee

小微企业是社会经济的生力军,在稳定增长、扩大就业、促进创新、繁荣市场方面发挥着极为重要的作用,做好小微企业金融服务,促进小微企业健康发展,事关经济社会发展全局,具有十分重要的战略意义。目前,从各方面反映的情况看,融资难、融资贵问题依然是困扰和制约其生存和发展的主要因素之一,尽管各级政府高度重视这一问题,并出台了一些扶助性的政策措施,缓解了部分企业的发展和生存压力,但这一问题仍未有根本性好转。本文通过企业调研,与融资性担保机构座谈,借鉴一些省市好的作法,对解决这一问题提出一些新的思考。

Micro and small-sized enterprises are the major force of social economy, and play a very important role in stabilizing growth, expanding employment, promoting innovation and flourishing. Granting financial services to micro and small-sized enterprises and promoting the healthy development of micro and small-sized enterprises is a matter of whole economic and social development, and is of important strategic significance. At present, from various aspects, difficulties in financing and high cost of financing have still been the main factors which affect and restrict their survival and development. Although the government at all levels has attached great importance to this problem and introduced some supporting policy measures which reduce the pressure on the development and sur-vival of some enterprises, the problem has not been improved fundamentally. The paper puts forward some new ideas to solve this problem through making investigation on enterprises, making discussion with financing guarantee institutions and learning from the good practices of some other provinces and cities.