白山市金融业支持民营和小微企业发展的调查报告

Investigation Report on Finance Industry Supporting the Development of Private and Small and Medium-sized Enterprises in Baishan City

民营和小微企业经过改革开放几十年的发展,已经成为我国经济的重要组成部分和最为活跃的增长点。在促进经济增长、增加就业、创造税收、维护社会稳定等方面的作用明显。从吉林省白山市情况看,金融业总体运行平稳,金融风险可控,民营和小微企业融资难融资贵问题得到缓解,但是,担保公司缺失,各类扶持、补偿基金不到位,银行和企业之间信息不对称,融资结构不合理等问题已成为制约白山市民营和小微企业融资的重要原因,亟待解决。

After decades of reform and opening up, private and micro enterprises have become an important part of China’s economy and the most active growth point. The role in promoting economic growth, increasing employment,creating tax revenue, and maintaining social stability is obvious. As for Baishan City, Jilin Province, the overall operation of the financial sector is stable, financial risks are under control, and the difficulty in financing private and micro enterprises has been alleviated. However,lack of guarantee companies supports, various types of support and compensation funds are not available, information between banks and enterprises is asymmetrical, and unreasonable financing structure has become an important factor that restricts the financing of private and micro enterprises.