基于政银企社协同的小微企业“两融”难题治理

Research on the Construction of Financial Service Ecosystem of Small and Micro Enterprises from the Perspective of Government, Bank, Enterprise and Social Cooperation

融资难、融资贵是困扰小微企业发展的瓶颈。究其主因,一是需求侧(小微企业)实力不足,二是供给侧(金融机构)风险厌恶。要从根本上解决小微企业“两融”难题,必须构建基于政府、银行、企业、社会四方协同的小微企业“两融”难题治理体系。

Difficult and expensive financing is the bottleneck that puzzles the development of small and micro enterprises.The main reasons include two aspects:the one is the lack of strength on the demand side(small and micro enterprises),and the other is the risk aversion on the supply side(financial institutions).In order to fundamentally solve the two financing problems of small and micro enterprises,it is necessary to build a small and micro enterprise financial service ecosystem based on the coordination of government,bank,enterprise and society from the perspective of ecology.That is to create four comprehensive strategies to solve the financing problems of small and micro enterprises from the perspective of government departments,financial institutions,small and micro enterprises and social environment.