基于区域非银金融生态的中小企业创新探讨

Innovation of Small and Medium-sized Enterprises Based on Regional Non-banking Financial Ecology

传统金融服务已满足不了产业科技创新催生的对金融资源的密集需求,地区间非银金融发展的差距是影响创新效率和新兴产业竞争力的主因。区域非银金融的发展应从非银金融机构、非银金融服务和非银金融生态三个递进的层次进行合理定位。针对一些地区中小企业成长和创新中遇到的问题,应重视优化区域非银金融生态,增强非银金融对中小企业创新和地区经济转型的驱动作用。

Traditional financial services cannot meet the intensive demand for financial resources generated by industrial technological innovation. The gap in the development of non-banking finance among regions is the main reason that affects the innovation efficiency and the competitiveness of emerging industries. The development of regional non-banking finance should be rationally positioned at three progressive levels： non-banking financial institutions, non-banking financial services and non-banking financial ecology. In view of the problems encountered in the growth and innovation of small and medium-sized enterprises in some regions, attention shouldbe paid to optimizing the regional non-banking financial ecology and enhancing the driving role of non-banking finance in the innovation of small and medium-sized enterprises and regional economic transformation.