小微金融的发展诉求:困境、路径与展望——基于金融供给主体的视角

发布时间：2018-01-21 09:40

本文关键词： 小微金融金融供给主体困境路径展望　出处：《人文杂志》2017年02期 　论文类型：期刊论文

【摘要】：目前,我国小微金融需求与供给不平衡,供给不足,已成为小微企业发展、成长的重要掣肘。而互联网技术与传统金融的互相渗透,新兴商业模式和盈利方式不断涌现,在为金融创新提供良机的同时,也使小微金融的发展显露了生机。其极大地拓宽并创新了小微金融的服务模式,并从提高参与主体信息的透明度、降低金融服务交易费用、加强风险控制技术与水平以及税收、贷款规模、资本占用与考核、监管等制度方面为小微金融提供重新解构的路径选择与发展空间。
[Abstract]:At present, the demand and supply of small and micro finance in our country is unbalanced and the supply is insufficient, which has become an important constraint for the development and growth of small and micro enterprises, and the interpenetration of Internet technology and traditional finance. Emerging business models and profit models have emerged constantly, providing opportunities for financial innovation, but also making the development of micro-finance show vitality, which greatly broadens and innovates the service mode of micro-finance. And from to improve the transparency of the information of the participants, reduce the transaction costs of financial services, strengthen the risk control technology and level as well as tax, loan scale, capital occupation and assessment. Regulation and other institutions for the small and micro-finance to re-deconstruction of the path choice and development space.
【作者单位】：中国劳动关系学院;
【分类号】：F832.0
【正文快照】： 一、引言小微企业是我国经济中最具市场活力的群体。据有关统计数据显示:小微企业及个体工商户已超过5200万,占全部企业总数的95%以上,提供了80%以上的就业机会,在GDP和税收中分别占比60%和50%以上,(1)是我国经济发展中的坚实力量。但近年来,随着我国经济发展速度的放缓,小

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