安徽省小微企业续贷过桥资金影响因素及宏观经济发展研究

Influencing Factors and Macroeconomic Development of Small Enterprises' Renewal Funds in Anhui Province

"融资难"问题是限制小微企业发展的瓶颈,尤其是当前经济发展步入新常态情况下,小微企业融资任务更为艰巨,此时"过桥资金"应运而生。安徽省政府近年来针对小微企业融资难现状,试图通过财政资金作为续贷过桥资金来扶持小微企业发展。这项政策的出现缓解续贷过程中"资金真空"难题,使金融机构和企业均健康发展,各方都受益匪浅。虽然运用续贷过桥资金对企业融资起到一定的积极作用,但是我们也要考虑到企业在申请过桥资金过程中受到相关因素的影响,只有研究出影响因素才能更好地促进小微企业的发展。针对安徽省小微企业续贷过桥融资发展现状的调查,分析出其过桥融资的影响因素,针对其影响因素提出合理化建议,对于其他地区续贷过桥融资的发展具有重要的借鉴意义,进而促进实体经济的发展。

＂Financing difficulties＂ is the bottleneck for small and micro enterprises. Anhui provincial government tried to take finance funds as a renewed bridge funds to support small enterprises. The policy has eased the money vacuum problem. Although the use of renewed loans to bridge the financing of enterprises has played a certain positive role, but we also take into account the influencing factors for enterprises in applying for bridge funds to better promote small enterprises development. This paper analyzed the influencing factors of bridge loan, and puts forward some suggestions for the development of the renewed loan financing in order to promote the development of the real economy.