IPC模式下的小微企业融资供给分析

Analysis of Financing Supply of Small and Micro Enterprises Under the IPC Mode

小微企业在我国经济市场中占据着越来越重要的地位,然而借贷困难一直是无法跨越的鸿沟。近年来,随着小微企业数量的增长,融资供给问题亟待解决。IPC技术引入国内已有10余年,虽然在个别省份的应用普及卓有成效,但由于缺乏专业系统的技术指导和制度引导,IPC借贷模式一直未能真正发挥其作用。论文首先介绍了IPC技术的应用特点,结合我国金融市场现状,分析了在引入IPC技术之后小微企业面临的优势与逆境,并提出针对性的解决对策。

Small and micro enterprises are playing an increasingly important role in China's economic market,but the difficulty of borrowing has always been an insurmountable gap.In recent years,with the growth of the number of small and micro enterprises,the problem of financing supply needs to be solved urgently.It has been more than 10 years since IPC technology was introduced into China.Although it has been applied and popularized effectively in some provinces,the IPC borrowing mode has not really played its role due to the lack of professional and systematic technical guidance and institutional guidance.This paper firstly introduces the application characteristics of IPC technology,combined with the current situation of China's financial market,analyzes the advantages and disadvantages faced by small and micro enterprises after the introduction of IPC technology,and puts forward targeted solutions.