试论普惠金融对中小企业融资约束的影响

On the influence of inclusive finance on the financing constraints of small and medium-sized enterprises

普惠金融作为一种包容性强的金融服务模式,旨在为广大社会群体,特别是中小企业提供平等、便捷的金融服务。近年来,随着我国经济的快速增长和中小企业的蓬勃发展,普惠金融在缓解中小企业融资约束方面发挥了越来越重要的作用。文章从普惠金融的发展现状出发,深入探讨了普惠金融对中小企业融资约束的影响机制及现实困境,并提出了相关建议,为进一步促进普惠金融的发展,为缓解中小企业融资约束问题提供有益的参考。

Inclusive finance,as a highly inclusive financial service model,aims to provide equal and convenient financial services for the broad social groups,especially small and medium-sized enterprises.In recent years,with the rapid growth of China's economy and the vigorous development of small and medium-sized enterprises,inclusive finance has played an increasingly important role in easing the financing constraints of small and medium-sized enterprises.Starting from the development status of inclusive finance,this paper deeply discusses the impact mechanism and realistic dilemma of inclusive finance on the financing constraints of smes,and puts forward relevant suggestions,aiming at further promoting the development of inclusive finance and providing useful references for alleviating the financing constraints of smes.