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区域集优债务融资模式集合了企业、产品、效率、政策和风险缓释措施,能有效降低单个企业的融资成本,分散融资风险,是解决中小企业融资问题的一种多方共赢的模式,为探索中小企业发展道路提供了一个崭新的视角。它具有发行主体宽泛化、增信模式多元化、工作机制长效化、发行程序便利化等的特征。能否培育大批优质中小企业、落实风险缓释措施、发挥地方政府统筹协调、发挥人民银行支持引导作用是影响区域集优债务融资发展主要因素分析,我们应从因地制宜创新集优模式、完善风险分担机制、改革发行机制、改善中小企业融资信用环境等方面来解决区域集优债务融资发展过程中的难题。
The regional collection of excellent debt financing mode integrates enterprises, products, efficiency, policies and risk mitigation measures, which can effectively reduce the financing cost of individual enterprises and diversify financing risks, which is a multi-win-win model to solve the financing problem of SMEs. Explore the path of SME development provides a new perspective. It has the characteristics of broad distribution of the main issuer, diversification of credit model, long-term working mechanism, facilitation of issuance procedure and so on. Whether to cultivate a large number of high-quality small and medium-sized enterprises, implement risk mitigation measures, make overall planning and coordination of local governments play an important role in influencing the development of debt financing in the region, we should innovate and optimize the model according to local conditions and improve the risk sharing mechanism , Reform of the issuance system, and improvement of SME financing credit environment to solve the problems in the process of regional debt financing.