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小微企业具有10大特点:单个小微,总合重要;融资单靠市场机制不能满足发展要求;一般处于创业初期;平均存活率较低;少数可能做强做大;业主家族式管理,治理结构不够规范;财务报表不够规范甚至虚假;融资需求具有“急、小、短、频”特点;融资成本高;贷款风险高。虽然近年来对小微企业信贷支持越来越重视,但受各方面因素制约信贷支持力度仍有不足。为此对信贷支持小微企业发展的体制性、机制性因素进行分析,提出改进小微企业信贷支持的意见建议。
Small and micro enterprises have 10 major characteristics: a single small and micro, the total of important; financing can not meet the development requirements of the market mechanism alone; generally in the early days; the average survival rate is low; a few may be bigger and stronger; owners of family management, governance The structure is not standardized; the financial statements are not normative even false; the financing needs have the characteristics of “urgency, smallness, shortness and frequency”; the financing cost is high; the loan risk is high. Although the credit support for small and micro enterprises has been paid more and more attention in recent years, the credit support by various factors is still insufficient. To this end, we analyze the institutional and institutional factors that support the development of small and micro enterprises in credit support and put forward suggestions on how to improve the credit support for small and micro enterprises.