金融机构利率定价机制对小微企业融资的影响及对策

The Influence of Financial Institutions’ Interest Rate Pricing Mechanism on the Financing of Small and Micro Enterprises and Its Countermeasures

近年来,社会各界聚焦小微企业"融资难、融资贵"问题,河池市各金融机构认真贯彻小微企业减负政策,不断优化产品结构和流程,以支持小微企业融资及发展。但是,受商业银行利率定价机制和经营要求、小微企业融资资信水平和市场风险以及小微企业对商业银行的综合业务回报率低等因素影响,商业银行对小微企业的贷款利率难降,解决小微企业融资贵问题需要从企业自身和商业银行进行双向攻克。

Recent years, All sectors of society focus on the difficulty and expensive financing of small and micro enterprises, the financial institutions in Hechi city seriously carry out the burden reduction policy for small and micro enterprises, optimize the product structure and processes to support small and micro enterprises financing. However, due to the influence factors of the interest rate pricing mechanism and operating requirements of commercial banks,the credit level and market risk of small and micro enterprises, and the overall return of small and micro enterprises to commercial banks. It is difficult for commercial banks to reduce the interest rate on loans to small and micro enterprises. The problem of the difficult and expensive of small and micro enterprises financing needs to be solved from both enterprises and commercial banks.