中小微企业融资问题解决机制有效性研究——基于政府、银行、担保三种机制比较实证分析  

Research on the effectiveness of financing problem solving Mechanism for medium and small-micro Enterprises

作　　者：张淼 高金花[1] 徐媛[1] 刘婷 Zhang Miao;Gao Jin Hua;Xu Yuan;Liu Ting(Chang Ji Sub-branch,the People’s Bank of China)

机构地区：[1]中国人民银行昌吉州中心支行

出　　处：《金融发展评论》2020年第5期31-45,共15页Financial Development Review

摘　　要：中小微企业是经济新动能培育的重要源泉,党中央、国务院针对中小微企业发展不断加大政策贯彻落实力度,切实改进小微企业金融服务。本文在昌吉州范围内开展中小微企业融资状况问卷调查,重点研究"政府、银行、担保服务"缓解中小微企业融资难问题的效果,且实证分析三者有效性的差异。研究发现,昌吉辖区银行支持效果显著、政府帮助手段较弱,受本地行业制度、企业规模约束,担保服务几乎无效,亟需推动发展担保机构等市场手段,协同解决中小微企业融资难题。Small and medium-sized enterprises are an important source of new economic kinetic energy.The CPC Central Committee and the State Council have continuously strengthened the implementation of policies for the development of small and mediumsized enterprises,and earnestly improved their financial services.In this paper,a questionnaire survey on the financing situation of small and medium-sized enterprises was carried out in Changji Prefecture,focusing on the effect of " government,bank and guarantee service " to alleviate the financing difficulties of small and medium-sized enterprises,and an empirical analysis was made on the difference of their effectiveness.It is found that the bank support effect in Changji area is remarkable,the government help means is weak,and the guarantee service is almost ineffective due to the constraints of local industry system and enterprise scale.It is urgent to promote the development of guarantee institutions and other market means to solve the financing problems of small and mediumsized enterprises.

关 键 词：中小微企业融资 政府帮助 银行支持 担保服务 

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