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小微企业健康、可持续发展关乎民生,关乎国家的繁荣与稳定。自2011年温州由小微企业老板“跑路”、“自杀”及企业“倒闭潮”引发的“金融风暴”爆发以来,我国小微企业融资难问题被提到了前所未有的高度,党中央、国务院多次召开会议出台支持小微企业发展的金融和财税措施。导致我国小微企业融资难问题的根源,是资金这一稀缺要素资源配置的“市场失灵”;而使小微企业陷入信贷困境的制度原因,是不完全竞争市场,技术原因则在于不完全信息和利率管制。摆脱金融管制,加快金融创新,不仅是解决小微企业信贷融资难问题的需要,更是我国金融体制改革大局的需要。
The health and sustainable development of small and micro-enterprises concern people’s livelihood and concern with the prosperity and stability of the country. Since the outbreak of the “Financial Crisis” in Wenzhou in 2011 by small and micro enterprises owners “running way”, “suicide” and “business closures”, the financing difficulty of small and micro enterprises in our country was mentioned At an unprecedented height, the Central Party Committee and the State Council held many meetings to introduce financial and fiscal measures to support the development of small and micro enterprises. The root cause of the financing difficulty of small and micro-sized enterprises in our country is the “market failure” of resource allocation of scarce elements of funds. The reason of the system that causes small and micro enterprises to fall into the credit predicament is imperfect competition market. The technical reason lies in that Complete information and interest rate control. Getting rid of financial regulation and speeding up financial innovation are not only the solution to the difficult financing problem of small and micro enterprises, but also the need of the overall situation of China’s financial system reform.