战“疫”后山东金融对中小微企业融资支持政策研究——以Y银行为例

Research on Financing Support Policy of Shandong Finance for Small,Medium and Micro-Sized Enterprises After the"Epidemic"War——Taking Bank Y as an Example

中小微企业发展是我国经济增长的重要动力,在社会发展中的作用也越来越显著。但是在2020年初,突如其来的疫情对中小微企业发展带来了沉重的打击,收入大幅下降,成本增加,利润减少,甚至出现流动资金断裂的现象。后疫情时代如何缓解中小微企业的资金困境,解决融资难题是我们亟待解决的问题。Y银行一直致力于中小微企业的融资贷款业务,疫情期间更是专门出台了一系列有力的措施来缓解中小微企业的融资困境,论文对此展开探讨。

The development of small,medium and micro-sized enterprises is an important driving force of China's economic growth,and its role in social development is becoming more and more significant.However,the sudden epidemic at the beginning of 2020 has brought a heavy blow to the development of small,medium and micro-sized enterprises,with a sharp decline in revenue,cost increase,profit reduction,and even the phenomenon of the rupture of working capital.In the post-epidemic era,how to alleviate the financial difficulties of small,medium and micro-sized enterprises and solve the financing problem is an urgent problem for us to solve.Bank Y has been committed to the financing and loan business of small,medium and micro-sized enterprises.During the epidemic period,Bank Y specially introduced a series of powerful measures to alleviate the financing difficulties of small,medium and micro-sized enterprises.This paper discusses this issue.