优化中小企业金融信贷营商环境的思考
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摘要
中小企业是我国经济增长的重要引擎。当前宏观经济环境稳中有变,企业面临着金融信贷环境差、融资成本高等问题,严重制约了中小企业的发展。广州作为全国营商环境示范城市和改革试点城市,在改善中小企业金融信贷环境方面进行了探索,取得了一定成效。基于广州的经验和影响我国中小企业获得金融信贷的主要因素,提出扩充信贷渠道、建立产融对接制度、优化政府职能等对策。
Small and medium-sized enterprises(SMEs) are important engines for China's economic growth. Atpresent, the macroeconomic environment is stable but adjusting. Enterprises are facing the problems of poor finan-cial credit environment and high financing costs, which seriously restrict the development of SMEs. As a pilot city ofbusiness environment reform in China, Guangzhou has made various explorations in improving the financial creditenvironment of SMEs, and achieved some effects. Based on Guangzhou's experience and the main factors affectingSMEs' access to financial credit, this paper puts forward some countermeasures from the aspects of expanding creditchannels, establishing a docking system between industry and finance, and optimizing government functions.
Small and medium-sized enterprises(SMEs) are important engines for China's economic growth. Atpresent, the macroeconomic environment is stable but adjusting. Enterprises are facing the problems of poor finan-cial credit environment and high financing costs, which seriously restrict the development of SMEs. As a pilot city ofbusiness environment reform in China, Guangzhou has made various explorations in improving the financial creditenvironment of SMEs, and achieved some effects. Based on Guangzhou's experience and the main factors affectingSMEs' access to financial credit, this paper puts forward some countermeasures from the aspects of expanding creditchannels, establishing a docking system between industry and finance, and optimizing government functions.
引文
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[3]广州上线中小微企业信用信息和融资对接平台http://www.xinhuanet.com/fortune/2016-10/26/c_1119792547.htm.
[4]王朝弟.中小企业融资问题与金融支持的几点思考[J].金融研究,2003,(1).
[5]唐平.完善信用担保体系:解决中小企业融资难的路径[J].财经科学,2006,(9).
[6]吕劲松.关于中小企业融资难、融资贵问题的思考[J].金融研究,2015,(11).
[2]黄建军.浅谈广东小企业融资风险补偿基金的建立和管理[J].现代经济信息,2011,(3).
[3]广州上线中小微企业信用信息和融资对接平台http://www.xinhuanet.com/fortune/2016-10/26/c_1119792547.htm.
[4]王朝弟.中小企业融资问题与金融支持的几点思考[J].金融研究,2003,(1).
[5]唐平.完善信用担保体系:解决中小企业融资难的路径[J].财经科学,2006,(9).
[6]吕劲松.关于中小企业融资难、融资贵问题的思考[J].金融研究,2015,(11).