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小微企业是我国经济发展中最为活跃的群体之一。但是,不少小微企业受正规金融机构门槛的限制,只能依靠民间借贷融资寻求自身发展。我国民间资金已从剩余资本发展成为产业资本和金融资本,并在农村经济、民营经济和社会发展进程中起到了巨大的支持作用。如何引导民间金融发展,让民间金融更好地为小微企业服务:从制度上规范民间金融;拓展民间资本投资渠道;优化民间金融服务的外部环境;小微企业立足自身发展是根本。
Small and micro enterprises are one of the most active groups in China’s economic development. However, many small and micro enterprises are limited by the threshold of formal financial institutions and can only rely on private lending to seek their own development. China’s non-governmental funds have developed from surplus capital into industrial capital and financial capital, and have played a huge supporting role in the process of rural economy, private economy and social development. How to guide the development of private finance and make private finance better serve the small and micro-enterprises: to standardize the private finance from the system; to expand the private capital investment channels; to optimize the external environment of the private financial services; to develop the small and micro-enterprises based on their own development.