融合与重构:小微企业融资模式再创新——基于“台州模式”的实践及思考

发布时间：2018-04-09 05:22

本文选题：小微企业　切入点：信保基金　出处：《浙江金融》2016年12期

【摘要】：金融机构与小微企业之间的信息不对称及小微企业自身特点决定了融资难、融资贵问题已成为制约当前小微企业生存和发展的枷锁。本文基于台州市小微企业融资及改革创新实践进行调研的基础上,从金融服务信用信息共享模式的融合及信用保证基金担保模式重构视角,分析了"台州模式"在缓解金融机构与小微企业之间信息不对称,以及破解小微企业融资难、融资贵方面的特色与成效,并进一步从如何确保金融服务信用信息获取的及时性与平台运行的可持续性及其风险防范,以及信用保证基金增长的可持续性和防范金融机构道德风险方面提出了进一步的思考。研究认为这需要政府与金融机构做好协调与合作,共同推进"台州模式"在支持小微企业发展上作出更积极的贡献,同时为其他地方解决小微企业融资难、融资贵问题提供借鉴。
[Abstract]:The information asymmetry between financial institutions and small and micro enterprises and the characteristics of small and micro enterprises determine the difficulty of financing. The problem of expensive financing has become a yoke restricting the survival and development of small and micro enterprises.Based on the investigation of the financing and innovation practice of Taizhou small and micro enterprises, this paper analyzes the integration of the credit information sharing model of financial services and the reconstruction of the guarantee mode of credit guarantee fund.This paper analyzes the characteristics and effectiveness of Taizhou Model in alleviating the information asymmetry between financial institutions and small and micro enterprises, as well as in solving the financing difficulties and expensive financing of small and micro enterprises.And how to ensure the timeliness of obtaining credit information of financial services and the sustainability of platform operation and how to prevent risks,Further consideration is put forward on the sustainability of credit guarantee fund growth and the prevention of moral hazard in financial institutions.The research believes that this requires good coordination and cooperation between the government and financial institutions to jointly promote the "Taizhou model" to support the development of small and micro enterprises to make a more positive contribution, while at the same time for other places to solve the financing difficulties of small and micro enterprises.Financing the problem of expensive to provide reference.
【作者单位】：浙江金融职业学院;
【基金】：浙江省哲学社会科学规划课题“我国货币政策的资产价格效应问题研究”(批号:13NDJC30YBM) 浙江省金融教育基金会重点课题(批号:2014Z12)资助
【分类号】：F832.4

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