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在全球视野内,小微企业作为国民经济的中坚力量备受关注。在中国,小微企业的发展推动削弱垄断体制,激发创新发明,优化零散地域性资源利用,拉动社会就业,填补国民日常低附加值商品空白,扩大消费权益,活跃市场经济,助力经济增长,协调地区发展,推动经济转型,安稳社会。尤其当下中国进入经济结构调整的历史时期,小微企业备受关注。然而其融资问题也是一个世界性难题,老生常谈,亟待解决。在中国社会经济制度下,小微企业融资症结有其特色。面对小微企业多层次外源融资体系,面对民间金融,社会信用体系与诚信约束机制的缺失、真实数据的可得性、数据量化分析判断与实体经济及网络经济变化的对立统一、融资公司的内控机制等,根盘节错,造成信用风险集中,而引入保证保险机制将有利于风险的分散,推动普惠金融发展。
In the global perspective, small and micro enterprises have drawn much attention as the backbone of the national economy. In China, the development of small and micro enterprises promoted the weakening of the monopoly system, stimulated innovation and invention, optimized the utilization of fragmented regional resources, stimulated social employment, filled the blank of daily low value-added goods, expanded consumer rights and interests, stimulated market economy and boosted economic growth and coordination Regional development, promote economic restructuring and stabilize the society. In particular, at a time when China is entering a period of economic restructuring, small and micro enterprises have drawn much attention. However, its financing issue is also a worldwide problem that is commonplace and urgent to be solved. Under the social and economic system in China, the crux of small and micro enterprises has its own characteristics. Faced with the multi-level exogenous financing system for small and micro enterprises, in the face of the lack of private finance, social credit system and integrity constraint mechanism, the availability of real data and quantitative analysis of data, we can judge the unity of opposites with the real economy and the network economy, The internal control mechanism of the company is root-cause and wrong, resulting in a concentration of credit risk. However, the introduction of a guaranteed insurance mechanism will be conducive to the diversification of risks and promote the development of inclusive finance.