西藏财政政策、金融支持与中小企业融资研究

A Research on the Fiscal Policy, Financial Support and SME financing in Tibet A

通过对西藏中小企业融资难文献的回顾,发现传统的规模歧视论、所有制歧视论等都不能较好地解释融资难的原因,关键在于金融结构导致的大企业对小企业的挤出效应。西藏金融发展、财政扶持与经济增长之间具有长期稳定的均衡关系,但是相对于财政扶持对经济发展的作用,西藏金融业对资源的配置能力还相对较弱,应充分发挥和完善财政政策的引导作用,完善金融业资源配置的基本功能。文章分析了财政政策引导金融支持中小企业融资的紧迫性、可行性,并基于西藏实际提出解决中小企业融资难问题的具体策略。

Through a brief literature review and comment on the financing difficulties of the small and medium-sized enterprises in Tibet, it is found that the traditional scale discrimination theory and ownership discrimination theory can not explain the causes of the financing difficulties well because the key lies in the crowding-out effect of the large enterprises on the small enterprises caused by financial structure. There is a long-term stable equilibrium relationship between financial development, financial support and economic growth in Tibet, but compared with the effect of financial support on economic development, the capacity of Tibet's financial industry affects resource allocation less, so we should improve and give full play to the guiding role of fiscal policy, and perfect the basic function of the financial industry in financial resource allocation. In this regard, the article analyzes the urgency and feasibility of fiscal policy to guide financial support for SME financing, and puts forward some specific strategies to resolve the financing difficulties of the small and medium-sized enterprises.