民间金融与小微企业融资对接机制研究

Research on the Docking Mechanism of Folk Finance and Micro Enterprise Financing

小微企业作为新的经济增长点,融资难成为其发展的瓶颈,然而现实是小微企业资金短缺与社会民间资本总供给相对宽裕之间的矛盾突出。如何解决这对矛盾使民间金融更好的服务于小微企业是当前要解决的问题。以民间金融特点和小微企业融资需求及现状为切入点,分析民间金融与小微企业融资对接的必要性和可行性,并以此提出对接的政策和建议。

In small and micro businesses that are a new economic growth point, the difficulties in financing become the bottleneck of their development. But the reality is that the contradiction between the shortage of funds in small and micro businesses and the relative abundance of the total supply of social folk capital is outstanding. How to resolve the contradiction can make the folk finance serve small and micro businesses better, which is the current problem to be solved. In this paper, with characteristics of the folk finance and the financing demand and the status quo of small and micro businesses as the starting point, it analyzes the necessity and feasibility of the docking of folk finance and small and micro businesses financing, and puts forward the policy and suggestions about docking.