引导金融增强服务实体经济能力的财政政策研究——基于江苏省贷款风险补偿资金池的分析

Research on Fiscal Policy to Enhance the Service Ability of Government Guiding Finance for Real Economies

中小微企业是实体经济的重要组成部分,在创造就业、促进创新、推动经济增长方面发挥着重要作用,相对大型企业而言,中小微企业面临的融资难、融资贵、融资慢问题相对突出。针对中小微企业融资面临的问题,江苏财政部门在推进财政资金由无偿补贴转为有偿使用的同时,强化与金融机构联手合作,设立贷款风险补偿资金池,推动金融产品创新,促进了实体经济融资便利化,一定程度上缓解了中小微企业融资难。本文重点调研了江苏贷款风险补偿资金池的运作现状,审视了风险代偿、转贷基金等政策存在的不足,以期提升此类政策有效放大金融杠杆、增强金融服务实体经济能力的运作效果。

Small and medium enterprises are an important part of the real economy, They play an important role in creating employment, promoting innovation and promoting economic growth. But they are confronted with difficulties in financing. The fiscal department in Jiangsu promotes fiscal funds by turning unpaid subsidies into paid use, strengthening joint cooperation with the bank, establishing loan risk compensation fund pool, promoting financial innovation, which have promoted the real economy financing facilities. This paper focuses on the research of the status quo of the loan risk compensation fund pool in Jiangsu, reviews the deficiency of risk compensation, lending fund policies, in order to promote such policies effectively, enlarge the financial leverage and enhance the ability of financial services in the real economic operation.