小微企业贷款掣肘与破解:基于理论与现实的解析  

Small and Micro Enterprise Loan Constraints and Solutions Based on Analysis of Theory and Reality

作　　者：申建文[1] SHEN Jianwen(People's Bank of China Xi'an Branch,Shaanxi Xi’an 710075)

机构地区：[1]中国人民银行西安分行,陕西西安710075

出　　处：《西部金融》2022年第2期16-22,共7页West China Finance

摘　　要：小微企业贷款难是世界性难题。理论上,小微企业贷款面临“不可能三角”制约;现实中,银行持续为小微企业贷款存在内外部掣肘。近年来,人民银行贯彻党中央、国务院部署,指导金融机构大力支持小微企业发展,积极探索小微企业贷款的破解之路,我国小微企业贷款呈现良好发展态势,处于历史上最好的时期。在此基础上,本文提出构建小微企业贷款激励约束相容机制和相关政策措施建议。China’s small and micro business loans show a good trend of development in recent years,which is in the history of the best period.However it is difficult and expensive for small and micro enterprises to obtain loans,which is a worldwide problem.In theory small and micro businesses loans face the constraints of the"impossible triangle";meanwhile banks have internal and external constraints on loans to small and micro businesses in reality.Therefore it is necessary to build the incentive and restraint mechanism for supporting small and micro enterprises’financing in the long term.

关 键 词：小微企业贷款 不可能三角 激励约束机制 

分 类 号：F276.3[经济管理—企业管理] F832.4[经济管理—国民经济]