金融支持小微企业发展的政策有效性研究——基于模糊综合评价模型

发布时间：2018-03-01 15:17

本文关键词： 金融政策小微企业政策有效性　出处：《金融发展研究》2017年09期 　论文类型：期刊论文

【摘要】：本文基于模糊综合评价模型对金融支持小微企业政策有效性进行了评估,研究发现各种政策手段的组合与配置对于小微企业融资环境改善作用逐步凸显。直接作用于商业银行信贷管理和服务优化方面的政策有效性更为显著;定向货币政策和差别化监管措施增强了政策传导效率;金融生态环境优化政策还需释放更多的潜能;多层次金融组织建设政策有效性相对较低;直接融资成为当前小微企业融资最薄弱环节。依据研究结果,应继续强化货币政策和差别化监管正向激励;改进小微企业信贷运营管理机制,激活银行信贷投放内生动力;推动多层次金融组织体系建设,规范大力发展新型金融机构和业态;完善信息和增信的配套制度,健全风险分担和补偿机制;加快推进多元化小微企业融资机制,切实拓宽企业融资渠道。
[Abstract]:This paper evaluates the policy effectiveness of financial support for small and micro enterprises based on fuzzy comprehensive evaluation model. It is found that the combination and allocation of various policies and measures have a significant effect on the improvement of the financing environment of small and micro enterprises, and the policy effectiveness of the direct effect on the credit management and service optimization of commercial banks is more significant. Targeted monetary policy and differentiated regulatory measures enhance the efficiency of policy transmission; the optimization of the financial ecological environment policy needs to release more potential; the policy effectiveness of multi-level financial organization construction is relatively low; Direct financing has become the weakest link in financing of small and micro enterprises at present. According to the research results, we should continue to strengthen monetary policy and differential supervision, improve the management mechanism of credit operation of small and micro enterprises, and activate the endogenous motive force of bank credit. To promote the construction of a multi-level financial organization system, to standardize and vigorously develop new financial institutions and business patterns, to improve the supporting system for information and credit enhancement, to improve the risk-sharing and compensation mechanism, and to accelerate the promotion of a diversified financing mechanism for small and micro enterprises, We will effectively broaden the channels for enterprise financing.
【作者单位】：中国人民银行济南分行;
【分类号】：F276.3;F832.4

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