货币政策传导视角下小微企业融资难问题研究

Research on the financing difficulties of small and micro enterprises from the perspective of monetary policy transmission

纾解小微企业融资难的问题,首先要清楚货币政策下沉实施中的不畅。本文运用动态博弈模型,重点分析中央银行—商业银行—小微企业这一货币政策传导链条下小微融资过程,探究小微企业融资难的货币政策传导原因,并有针对性地提出疏通货币政策传导机制、确保信贷活水顺利流向民营小微企业的相关政策建议。

To alleviate the problem of financing difficulties of small and micro enterprises,fist of all,we must make clear the poor transmission in the implementation of monetary policy.Using dynamic game model,this paper focuses on analyzing financing process for small and micro enterprises under the monetary policy transmission chain of the central bank,commercial bank and small micro enterprise,to explore the causes of monetary policy transmission for the problem of financing difficulties of small and micro enterprises,then puts forward related policy suggestion for dredging transmit channel of currency policy,and ensuring that credit resources are directed towards small and micro enterprises.