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我国中小企业自改革开放以来获得了巨大的发展成就。作为支撑国民经济增长,促进经济转型,实现社会稳定的基础力量,却在过于简单和集中的金融体系下无法获得足够的金融资源支持,资金需求得不到满足。国内迅猛发展的影子银行恰恰弥补了传统金融机构的空缺。本文通过分析我国影子银行在中小企业融资中的影响机制、积极作用以及当前存在问题,提出如何通过影子银行改善中小企业融资的政策建议。
Since the reform and opening up, China’s small and medium-sized enterprises have achieved tremendous development achievements. As the basic force supporting national economic growth, economic restructuring and social stability, they are unable to obtain enough financial resources to support their needs in an overly simple and centralized financial system, and their capital needs are not met. The rapidly growing shadow banking in the country has just made up for the vacancy of traditional financial institutions. By analyzing the impact mechanism, positive function and current problems of shadow banking in SME financing, this paper puts forward some policy recommendations on how to improve the financing of SMEs through shadow banking.