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以《中华人民共和国中小企业促进法》和《中小企业标准暂行规定》等标准衡量,当前县域经济中的企业绝大多数属微小企业范畴。微小企业已成为县域经济发展的主干和促进社会稳定的“推进器”。但在商业银行长期“惜贷”氛围下,由于社会信用担保体系不够健全,我国县域微小企业普遍存在贷款难的问题,“大银行自动找大企业,小企业到处找不到小银行”成常态,县域微小企业发展的金融环境面临严重挑战。在后危机时代,如何通过建立健全县域金融支持体系,有效促进县域微小企业的稳健发展及产业结构调整,来有力推进“三农”稳定、增加就业、扩大内需的国家战略目标实现,成为亟待解决的重大现实课题。
According to the standards of the “Promotion Law of the People’s Republic of China on SMEs” and the “Interim Provisions on the Standards of SMEs,” the vast majority of enterprises in the county economy are currently in the category of microenterprises. Micro-enterprises have become the backbone of the county’s economic development and “propellers” to promote social stability. However, under the long-term “reluctant loan” atmosphere of commercial banks, because the social credit guarantee system is not sound enough, China’s small and county-level enterprises are generally faced with the problem of difficult loans, “big banks automatically find large companies, small businesses can not find small banks everywhere. ”As a normal condition, the financial environment for the development of micro enterprises in the county area is facing serious challenges. In the post-crisis era, how to establish a sound financial support system for counties, effectively promote the steady development of county-level micro-enterprises, and adjust the industrial structure to achieve the national strategic goal of vigorously promoting the “three rural” stability, increasing employment, and expanding domestic demand; Urgently resolved major practical issues.