政府市场结合的小微企业普惠金融支持策略

On Inclusive Financial Support Strategy of Small and Micro- Enterprise Financing Based on Combination of Government and Market

小微企业融资,既需要市场机制,也需要政府的适度干预。基于政府与市场相结合的逻辑,普惠性小微企业融资支持策略应该是:培育小微融资市场主体,使市场成为小微企业融资的内在机制;实现小微企业融资基础设施全覆盖,降低小微融资市场主体的交易成本;利用小微企业融资政策,激励融资市场主体扩大和创新小微金融产品和服务供给。

Small and micro- enterprise financing need both market mechanisms and moderate government intervention. Based on the combination of government and market,inclusive financial system for small and micro- enterprise involves construction strategy of the following： cultivating market subject for small and micro- enterprise financing,so that the market become the internal mechanism for financing small and micro- enterprises; Expand full coverage of the financial infrastructure,reduce transaction costs of financing small and micro- enterprises; Utilize small and micro- enterprise financing policy,encouraging small and micro- enterprises to expand financial services.