生态系统视阈下小微企业融资难问题的对策研究

Countermeasures on the financing of small and micro enterprises from the perspective of ecosystem

根据小微企业金融生态系统模型,分析各生态主体及生态环境的作用功能。研究发现,导致小微企业融资难的主要原因是各生态主体间的资金融通不畅、金融生态链短粗、信用流水平较低、生态环境脆弱等。解决小微企业融资难问题,应在健全融资服务体系、加快资本市场建设、完善信用评价体系、建立融资综合服务平台等方面采取创新对策。

Based on the financial ecological system model ot small and microenterprises, we analyze me Iunction of ecological subjects and ecological environment. The results show that the poorly financing circulation among ecological subjects, financial chain short, the lower level of credit flow, fragile ecological environment are the major causes for the diffieuhy in financing of small and microenterprises. To solve this problem we should perfect the financing service system, speed up the construction of capital market, complete the credit appraisal system, and set up a comprehensive financing service platform.