对金融支持小微企业发展的思考——以吉林省延边州为例  

Thinking of Financial Support for the Small Micro-Enterprise Development——A Case Study of Yanbian

作　　者：李焕平[1] 林瑜[1] 

机构地区：[1]中国人民银行延边州中心支行,吉林延吉133000

出　　处：《吉林金融研究》2012年第6期34-36,49,共4页Journal of Jilin Financial Research

摘　　要：小微企业在扩大社会就业、繁荣地方经济、增加财政税收等方面都发挥着重要作用。但是融资难、用工难、税赋重等因素制约着小微企业生存发展。本文分析了小微企业融资难与银行经营战略定位的密切关系,进一步分析了国有大型银行以及中小型金融机构对小微企业信贷支持的现状以及存在的困难和问题,并针对问题提出了金融支持小微企业发展的对策。Small micro enterprises play an important role in the field of increasing employment opportunities,fiscal income and taxation for the local economy.However,there are some difficulties such as financing difficulties,shortage of labor,tax burden that restrict the development of small micro-business.This paper analyzes the relationship of the small micro-enterprise financing and strategic positioning of the banking business,and conducts further analysis of the current situation and existing difficulties and problems of large state-owned banks,as well as small and medium-sized financial institutions’ credit support to small micro-enterprise,then proposes countermeasures for small micro-enterprise development.

关 键 词：小微企业 金融支持 延边地区 

分 类 号：F832.4[经济管理—金融学] F276.3