关于小微企业融资难的基础痛点与根治路径研究——基于人的劣根性视角

Research on Basic Pain Points and Radical Cure Paths of Financing Difficulties for Small and Micro Enterprises--Based on the Perspective of People’s Bad Habits

关于小微企业融资难与贵的基础性痛点,在影响中小微企业融资的若干因素中,笔者认为人的劣根性是所有因素的关键,也是衍生其他逆经济发展现象的根源。用传统、单一的经济金融理论与思维已经无法解答、解决当前小微企业融资中存在的问题与现象。本文认为综合运用抑制人的劣根性、深化金融供给侧结构性改革、提升小微企业的发展韧性、大力发展与运用金融科技是彻底改变中小微企业融资状况,促进中小微企业金融生态持续、健康成长的“四大根治良方”。

based on the analysis of the basic pain points of the difficulty and high cost of financing for small and micro enterprises,this paper holds that among the factors affecting the financing of small,medium and micro enterprises,the human’s bad quality is the key to all the factors,and also the root of deriving other adverse economic development phenomena.The traditional and single economic and financial theory and thinking has been unable to solve the problems and phenomena existing in the financing of small and micro enterprises.Restraining people’s bad habits,deepening the structural reform of financial supply side,enhancing the development resilience of small and micro enterprises,and vigorously developing and applying financial technology are the“four root solutions”to completely change the financing situation of small and micro enterprises and promote the sustainable and healthy growth of their financial ecology.