小微企业信贷政策:主要框架及演进历程  

Credit Policy for Small and Micro Enterprises:Main Framework and Evolution

作　　者：陈涛[1] CHEN Tao(Tongchuang Branch of the PBC,Shaanxi Tongchuan,727100)

机构地区：[1]中国人民银行铜川市中心支行,陕西铜川727100

出　　处：《西部金融》2022年第7期3-7,共5页West China Finance

摘　　要：银行信贷是小微企业发展的推动力之一。经过多年实践,我国逐步形成了体系完善、协同发力、激励相容的小微信贷政策体系。本文回顾了小微信贷政策的形成和演化历程,进而把握政策的内涵与趋势,有助于我们更好明确做好小微信贷服务的重点,推动提升小微企业信贷服务质量。Bank credit is one of the driving forces for the development of small and micro enterprises. After years of practice, China has gradually formed a small and micro credit policy system with perfect system, coordinated force and incentive compatibility. Reviewing the formation and evolution of the small and micro credit policy, and then grasping the connotation and trend of the policy will help us better clarify the focus of small and micro credit services and promote the improvement of the credit service quality of small and micro enterprises.

关 键 词：小微企业 普惠小微 信贷政策 

分 类 号：F830.31[经济管理—金融学]