新常态下小微企业融资与信用担保困境成因及治理机制——基于江苏省250家小微企业的问卷调查
发布时间：2018-12-20 19:08
【摘要】：由于规模较小、实力较弱,小微企业面临着较为严重的融资约束,而信用担保机构作用的有效发挥,则有助于缓解这种状况。本文在对苏南、苏中、苏北250家小微企业进行调查的基础上,总结了新常态下江苏小微企业融资与信用担保现状及存在的突出问题,并从小微企业直接与间接融资方式、信用担保机构支持小微企业融资现状方面剖析了问题的成因。最后,提出了新常态下江苏小微企业融资与担保困境的治理机制,主要包括加大政府政策扶持力度、建立商业银行小微企业服务机制、健全信用担保机构担保业务体系及优化小微企业经营战略。
[Abstract]:Because of the small scale and weak strength, the small and micro enterprises are faced with more serious financing constraints, and the effective role of credit guarantee institutions will help to alleviate this situation. Based on the investigation of 250 small and micro enterprises in the south, middle and north of Jiangsu province, this paper summarizes the current situation of financing and credit guarantee of Jiangsu small and micro enterprises under the new normal condition and the outstanding problems, and the direct and indirect financing methods of small enterprises. The credit guarantee organization supports the small and micro enterprise financing present situation aspect to analyze the cause of the problem. Finally, the paper puts forward the governance mechanism of financing and guarantee dilemma of Jiangsu small and micro enterprises under the new normal, which mainly includes increasing government policy support and establishing commercial bank small and micro enterprise service mechanism. Perfect the credit guarantee organization guarantee business system and optimize the small and micro enterprise management strategy.
【作者单位】： 江苏大学管理学院;
【基金】：国家社会科学基金项目“面向小微企业的信用担保机构制度约束及破解策略研究”(项目编号:13BGL038) 江苏省社会科学基金项目“江苏小微企业融资的阻碍因素及化解机制研究”(项目编号:15JD007)
【分类号】：F276.3;F832.4
本文编号：2388408
[Abstract]:Because of the small scale and weak strength, the small and micro enterprises are faced with more serious financing constraints, and the effective role of credit guarantee institutions will help to alleviate this situation. Based on the investigation of 250 small and micro enterprises in the south, middle and north of Jiangsu province, this paper summarizes the current situation of financing and credit guarantee of Jiangsu small and micro enterprises under the new normal condition and the outstanding problems, and the direct and indirect financing methods of small enterprises. The credit guarantee organization supports the small and micro enterprise financing present situation aspect to analyze the cause of the problem. Finally, the paper puts forward the governance mechanism of financing and guarantee dilemma of Jiangsu small and micro enterprises under the new normal, which mainly includes increasing government policy support and establishing commercial bank small and micro enterprise service mechanism. Perfect the credit guarantee organization guarantee business system and optimize the small and micro enterprise management strategy.
【作者单位】： 江苏大学管理学院;
【基金】：国家社会科学基金项目“面向小微企业的信用担保机构制度约束及破解策略研究”(项目编号:13BGL038) 江苏省社会科学基金项目“江苏小微企业融资的阻碍因素及化解机制研究”(项目编号:15JD007)
【分类号】：F276.3;F832.4
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，本文编号：2388408
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