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当前,河南省小微企业发展中呈现出群体规模扩大、单体实力要求提高、行业分布趋于优化、资金缺口问题突出等特点。金融功能效率的改善,金融市场结构的不断优化,融资支持力度的提高,为金融支持功能的发挥奠定了基础条件。为进一步提高金融支持效率,需要从明确小微企业发展方向,完善小微金融机构体系,降低金融机构资金成本,健全融资担保增信体系,完善创业投资支持体系等方面调整政策组合。
At present, the development of small and micro enterprises in Henan Province shows the characteristics of expanding the group size, raising the monomer strength requirements, optimizing the distribution of the industry and highlighting the issue of funding gap. The improvement of financial function efficiency, the continuous optimization of the financial market structure and the enhancement of financing support laid the foundation for the development of financial support functions. In order to further improve the efficiency of financial support, we need to adjust the policy mix from defining the development direction of small and micro enterprises, perfecting the system of small and micro financial institutions, reducing the capital cost of financial institutions, improving the credit guarantee system, and improving the venture capital support system.