小微企业融资难题的根源及对策研究

Research on the Source of Small and Micro Businesses' Financing Difficulties and its Countermeasures

融资难、融资贵一直是横亘在小微企业发展中的"痼疾"。近年来,政府部门虽然密集出台了一系列相关政策并积极推动实施来解决这一难题,但政策效果有限。其根源在于我国经济体制和金融运行机制中存在一些制度"弊端",限制了市场机制充分发挥作用,有效供给和有效需求失衡,小微企业长期处于不公平的市场地位。增强市场资源配置有效性是解决小微企业融资难、融资贵的核心,金融市场改革、优化金融市场结构、健全融资市场环境、引导金融资源再配置等措施是解决小微企业的融资难题手段。

For small and micro businesses, financing is always difficult and also expensive, and this has becomethe ＂chronic illness＂ for their development. In recent years, although government departments have issued a seriesof relevant policies, and have actively promoted the implement of them to solve this difficulty, the actual effect ofthese policies is still limited. There exist some system ＂malpractices＂ in the economic system and finance operationsystem in China ,which limit the full play of market mechanism, and cause effective supply and effective demand tobecome unbalanced, thus make small and micro bushiness situated in the unfair market position for a long term. Inorder to solve the problem of difficult and expensive financing for small and micro bushiness, it is the core step tostrengthen the effectiveness of market resource allocation. And the concrete methods to solve the problem include：reform the financing market, optimize financing market structure, create a sound financing market environment, andguide the reallocation of financing resources etc.