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经济下行背景下,小微企业生存处境艰难。融资难,融资贵问题依旧突出。在当前,针对小微企业的金融服务存在一些问题,包括支持力度较低,供不应需,资金成本高,金融服务形式单一等。在对小微企业的服务方面,以城商行,农信社为代表的中小型金融机构更具优势。为提升对小微企业的金融服务水平,需深化银政合作,由政府出面,开展第四届全省中小企业和金融机构对接活动,完善中小企业网络融资服务平台,构建政银担企合作长效机制丰富金融的业态与内容,帮助小微企业成长.
In the context of the economic downturn, small and micro enterprises are in a difficult position to survive. Financing difficulties, financing problems remain prominent. At present, there are some problems with financial services for small and micro enterprises, including lower support, short supply, high cost of funds and single forms of financial services. In terms of service to small and micro-enterprises, small and medium-sized financial institutions represented by city commercial banks and rural credit cooperatives have more advantages. In order to enhance the level of financial services to small and micro enterprises, it is necessary to deepen the cooperation between the two sides. The government should promote the docking activities of the fourth province’s SMEs and financial institutions, perfect the service platform for financing small and medium-sized enterprises, Effective mechanism to enrich the financial format and content to help small and micro businesses grow.