次优小微企业金融培育支持系统研究

发布时间：2018-01-07 13:12

本文关键词：次优小微企业金融培育支持系统研究　出处：《金融论坛》2014年08期 　论文类型：期刊论文

【摘要】：破解小微企业融资难的前提是将小微企业分成优质小微企业、次优小微企业及资质欠佳小微企业三类。现阶段研究解决小微企业融资问题,应将重点放在次优小微企业群体上。政府在税收政策、法律保护等方面为次优小微企业发展提供了有利条件。商业银行开发次优小微企业金融培育系统,具有明显的客户信息资源优势和金融产品优势等。商业银行应做好企业间融资的媒介与平台、推动次优小微企业的重组整合、开展次优小微企业融资租赁业务、探索金融支持企业互助机制等途径,以开发次优小微企业金融培育支持系统。
[Abstract]:The premise of solving Small and micro businesses financing is Small and micro businesses into high-quality Small and micro businesses, suboptimal Small and micro businesses and poor qualification Small and micro businesses three. At this stage of research to solve the financing problems of Small and micro businesses, the emphasis should be placed on the suboptimal Small and micro businesses groups. The government tax policy in the aspects of the law, the protection provided favorable conditions for suboptimal Small and micro businesses development. The development of suboptimal Small and micro businesses to cultivate financial system of commercial banks, has obvious customer information resources and financial product advantages. Commercial banks should do the financing between enterprises and media platform, to promote the reorganization and integration of suboptimal Small and micro businesses, to carry out the second best Small and micro businesses leasing business, explore the enterprise mutual financial support mechanisms, to develop a suboptimal Small and micro businesses foster financial support system.

【作者单位】：东北师范大学经济学院;东北师范大学人文学院;
【分类号】：F276.3;F832.1
【正文快照】： 一、引言及小微企业分类博鳌亚洲论坛《2013小微企业融资发展报告》提到,当前中国有36.6%的小微企业渴望获得融资协助(巴曙松,2013)。融资难已经成为阻碍中国小微企业发展的难题。我们认为,破解该难题的前提是对小微企业进行分类,即将小微企业分成优质小微企业、次优小微企业

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