破解小微企业融资困境:基于商业银行的视角

Resolving the Small and Micro Enterprise Financing Problems: A Perspective from Commercial Banks

本文针对小微企业融资难、融资贵的问题,从商业银行的视角入手,分析了商业银行开展小微企业金融服务的意义,以及面临的困境和约束等,并结合商业银行采取的措施,以例证说明了商业银行在缓解小微企业融资难、融资贵方面的措施与成效;同时,提出了多方共同构建高效小微金融服务体系的相关建议,包括对监管机构的政策建议,以及对商业银行做好小微企业金融服务的建议等。

From the perspective of commercial banks, this paper studies the meaning of providing financing services to small and micro enterprises, and the problems and constraints of small and micro enterprise financing. The measures taking by commercial banks to mitigate the small and micro enterprise financing problems are investigated with case studies. Finally, this paper proposes suggestions to construct an efficient system for small and micro enterprise financing, including policy suggestions to regulatory authorities and suggestions to commercial banks to better serve the financing demand of small and micro enterprises.