论文部分内容阅读
近年来,微小企业在我国经济发展中的地位越发重要,其生存现状得到了空前的关注。商业银行是微小企业金融服务的重要主体和供给来源,也是解决微小企业金融服务难题的关键所在,但是微小企业自身原因、国有商业银行政治经济原因使微小企业很难从国有商业银行获得融资。建议提高微小企业信用形象、建立对微小企业贷款的制度创新、完善风险定价机制和创新微小企业融资体系等对策逐步解决小企业金融的供需缺口。同样,需要政府适度经济干预,改善国有银行分支机构负责人的行为激励问题,弱化个人政治机动对其经济行为的扰动,进一步发挥微小企业在国民经济发展中的地位。
In recent years, the status of micro-enterprises in the economic development of our country has become more and more important, and their current living conditions have received unprecedented attention. Commercial banks are the main body and source of supply for micro-enterprise financial services. They are also the key to solve the financial problems of micro-enterprises. However, for their own reasons, the political and economic reasons of state-owned commercial banks make it very difficult for micro-enterprises to obtain financing from state-owned commercial banks. Suggestions to improve the credit profile of micro-enterprises, the establishment of micro-enterprise loans system innovation, improve risk pricing mechanism and innovative micro-enterprise financing system and other measures to gradually solve the small business supply and demand gap. In the same way, it is necessary for the government to moderate economic intervention to improve the behavioral incentives of the heads of the state-owned banks, to weaken the disturbance of individual political maneuvers on their economic activities and to further develop the status of micro-enterprises in the development of the national economy.