Research on the Coordinated Development of Inclusive Finance and Financing for Small and Medium-sized Enterprises

As an important force in promoting economic and social development,small and medium-sized enterprises play a crucial role in enhancing China’s economic strength,creating employment opportunities,and promoting industrial structural transformation.However,due to their inherent weaknesses,small and medium-sized enterprises often face difficulties in financing within the traditional financial service system.This makes it difficult for small and medium-sized enterprises to inject vitality into the development of the market economy by expanding their financing scale.Since 2013,China has vigorously developed inclusive finance and extended the services of traditional financial institutions to small and medium-sized enterprises,providing policy guidance,resource support,and technical support to alleviate the financing difficulties of small and medium-sized enterprises.Based on this,this article focuses on the current financing problems faced by small and medium-sized enterprises and specifically elaborates on how to lower the financing threshold for small and medium-sized enterprises and broaden their financing channels through inclusive finance,in order to promote the development of inclusive finance and a virtuous cycle of financing for small and medium-sized enterprises.

农村新型金融机构运行绩效集成评价——基于江苏省的实证分析

农村新型金融机构被认为是破解我国农村资金短缺和信用贫困两大问题的重要力量。基于此,借鉴Yaron提出的农村金融机构业绩评估指标,构建符合我国国情的三维农村新型金融机构业绩评估指标体系,运用网络层次与模糊综合评价集成分析法对江苏省三种类型的农村新型金融机构业绩进行实证分析,并据此提出提升农村新型金融机构运行绩效的配套政策及建议。

农村小型金融机构的改革与发展研究

我国小型金融机构理论与实践,与国际上的微型金融组织及相关理论密切相关。目前,试点中的小型金融机构主要是小额贷款公司、村镇银行和资金互助组织等。这些小型金融机构的试点与发展,为"三农"问题的解决提供了低成本、便捷、实惠的金融服务。但是,实践中也存在法律地位不明确、准入门槛过高、资金来源不畅、市场定位上偏离经济弱势群体等问题,影响了其比较优势的发挥。因此应当明确法律地位,培养农村金融本土人才,培育农村金融本土资本,拓宽资金来源渠道,一心一意解决"三农"问题。

金融并购——农村中小金融机构的双赢选择

通过对农村中小金融机构自身发展、国内外金融形势的分析,提出金融并购是农村中小金融机构的双赢选择,并从如何培育良好的金融并购环境角度提出若干对策建议。