民间借贷支持小微企业发展的调查与思考——对庆城县45户小微企业的调查与思考  

The Survey and Reflection on the Support of Private Lending for Micro and Small Enterprises——Based on the Survey on 45 Micro and Small Enterprises in Qingcheng County

作　　者：张录民[1] 樊大刚[1] 

机构地区：[1]中国人民银行庆城县支行,甘肃庆阳745100

出　　处：《西部金融》2012年第12期85-87,共3页West China Finance

摘　　要：近年来,民间借贷的兴起为我国实体经济融资注入了活力,逐渐成为小微企业融资的重要途径。本文以小微企业融资为突破口,对民间借贷在实体经济中发挥的效能及存在的问题进行分析,并提出相关建议,如:深化财税体制改革,减轻小微企业税费负担;加强小微企业融资创新工作,发展壮大地方金融组织体系;加强对民间借贷的规范化管理,使之有序合法发展等。In recent years,private lending has played an active role in real economy financing,and gradually become an important way of financing of micro and small enterprises.Setting micro and small enterprises financing as a breakthrough,the paper analyzes the performance and the problems of private lending in the real economy and puts forward related proposals such as deepening financial and tax system reform,lightening the taxation burden of micro and small enterprises,enhancing financing innovation,developing local financial organization system,as well as regulating private lending to make it legal.

关 键 词：民间借贷 实体经济 小微企业 

分 类 号：F830.31[经济管理—金融学]