适配小微企业的银行融资调整

Banking Financing Modification Fitting SMEs

传统理论认为小银行机构是为小微企业金融服务的最佳主体,然而历经多年实践,仍难以成为小微企业的普惠融资渠道。当前大银行机构由于国家政策引导、利润结构调整及信贷技术革新等,对小企业的融资态度和行为发生了显著转变。为缓解小微企业融资难题,目前政策导向的主方向,应是通过具体的政策措施,激励大银行机构为小微企业服务。

Traditional theory paradigm stressed that there is a “matched” financing pattern betweenfinancial institutions and small and micro enterprises, and small banking institutions are the bestchoices. However, the financing difficulties of small and micro enterprises didn^ seem to besignificantly improved. The further research of this paper found that large banking institutions areactively opening up the market of the small business, innovating credit technology, and adjustingprofit structure. In order to solve the financing problem facing small and micro enterprises, detailedpolicy measures should be taken to stimulate large banking institutions5 service efficiency.