村镇银行与小微企业的协同发展

Collaborative development of village bank and small and micro businesses

小微企业的持续发展面临融资困境。中小银行,尤其是村镇银行,是支持小微企业发展的重要力量;作为一种新的制度安排,村镇银行适应市场需求,能与小微企业协同发展;村镇银行基于软信息的贷款决策适合小微企业的融资需求;村镇银行面临资金来源有限、人才匮乏、创新不足、股权结构不合理、信用体系不健全、政策支持不力等问题,需要着力进行解决。

The sustainable development of small and micro businesses are facing financing diffficulties.Small and medium-sized banks, especially the bank villages and towns,is an important force to support small micro enterprise development;as a new system arrangement, rural banks to meet the market demand, and Small and micro businesses collaborative development;soft information lending decisions for Small and micro businesses financing demand based on village bank; rural banks faced funding sources Co., lack of personnel, lack of innovation, unreasonable equity structure, imperfect credit system, problems such as lack of policy support, need to solve.