IPC模式下小微企业融资供给分析

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

小微企业的迅速发展推动了我国国民经济的发展,其在我国经济发展中占据重要地位,因此,小微企业的发展受到政府的大力支持。但是,由于小微企业自身发展的局限性与社会信用体系的不健全,银行在向小微企业发放贷款时会权衡风险与利益,这导致小微企业的资金需求与银行的贷款供给不成正比,最终导致小微企业融资困难。融资难成为制约小微企业长远发展的一个重要因素。论文以小微企业为研究对象,分析小微企业融资现状,并据此提出了应对策略。

The rapid development of small and micro enterprises promotes the development of China's national economy,which occupies an important position in China's economic development.Therefore,the development of small and micro enterprises is strongly supported by the government.However,due to the limitations of the development of small and micro enterprises and the imperfection of social credit system,banks will balance the risks and interests when granting loans to small and micro enterprises,which leads to the capital demand of small and micro enterprises is not proportional to the banks'loan supply,and eventually leads to the financing difficulties of small and micro enterprises.Financing difficulty has become an important factor restricting the long-term development of small and micro enterprises.This paper takes small and micro enterprises as the research object,analyzes the financing status of small and micro enterprises,and puts forward countermeasures accordingly.