普惠金融政策背景下中小企业融资服务平台的研究与实践

Research and Practice of Financing Service Platform for Small and Medium-Sized Enterprises Under the Background of Inclusive Financial Policy

自2015年起,国务院颁布了小微企业金融服务工作的指导意见后,依然有很大一部分的民营中小企业存在融资少、融资难、融资慢、融资贵等系列问题,针对这类的问题,某国有金融公司(以下简称N公司)兼顾中小企业和银行在落实普惠金融政策方面存在的困难,通过不断尝试初步实现了“多对一对多”中小企业融资服务模型、“菜单式”业务模式和闭环式服务流程,为中小企业更好地享受普惠金融政策服务。

Since 2015,the State Council has promulgated guidance on financial services for small and micro-enterprises. A large proportion of private small and medium-sized enterprises still have a series of problems,such as low financing,difficult financing,slow financing and expensive financing. For fixing these problems,a state-owned financial company (hereinafter referred to as N Company) takes into account the difficulties of small and medium-sized enterprises and banks in implementing inclusive financial policies. Through continuous attempts,N Company has initially realized the "many-to-one-to-many" small and medium-sized enterprises financing service model,"menu" business model and closed-loop service process,so as to better enjoy inclusive financial policy services for small and medium-sized enterprises.