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解决小微企业融资难,既往思路主要是在信贷前端实施信用担保增进,我们发现这个思路在遭遇三期叠加的冲击后,已遇到瓶颈。在新常态下,前端信用增进和后端风险出清搭配,能够更好地管理小微企业信用风险。
Solving the financing difficulties of small and micro enterprises, the previous thinking was mainly to implement credit guarantee enhancement in the front end of credit. We found that this idea has encountered a bottleneck after encountering the impact of the three-phase superposition. Under the new normal, the promotion of front-end credit and back-end risk clearing can better manage the credit risk of small and micro enterprises.