普惠金融与中小企业融资——国际实践与政府扶持经验  

Inclusive Finance and SME Financing——International Practice and Government Support Experience

作　　者：解传喜[1] 邢乐成[1] 

机构地区：[1]济南大学经济学院,山东济南250002

出　　处：《济南大学学报（社会科学版）》2015年第3期74-80,92,共7页Journal of University of Jinan:Social Science Edition

基　　金：国家社会科学基金项目"基于金融错配分析框架的中小企业融资难问题研究"(13BGL037);山东省哲学社会科学规划项目"小额贷款公司系统性风险与监管框架研究"(12CJRJ01);济南大学博士基金资助项目"小额贷款机制设置研究"(X1109)

摘　　要：中小企业融资难是因为受到现有金融系统的排斥,普惠金融把融资视为中小企业发展的一种权力,并认为应当通过建立普惠金融制度以保障这一权力。从世界实践来看,发展普惠金融有三种途径:一是发挥既有金融体系的作用,通过完善和发展银行与金融市场来扩展对中小企业融资及其他金融服务;二是进行金融创新,建立适合中小企业特点的融资模式,解决信息不对称、抵押不足及交易成本过高问题;三是发挥政府干预作用,克服信息缺口、集体行动难协调等市场难以解决的难题。Inclusive finance regards financing as a right for small and medium-sized enterprises to develop and believes the right should be protected through the establishment of an inclusive financial system. From the practical point of view,there are three ways to develop the inclusive finance. Firstly,the current financial system should play its due role and the SME financing and other financial services should be expanded through the development and improvement of banking and financial markets. Secondly,financial innovation is a necessity for establishing financing mode that is suitable for the characteristics of small and medium-sized enterprises and solving the problems of the asymmetric information,mortgage shortage and high-cost of the transaction. Finally,it is necessary to bring into government's role of intervention so as to solve the difficult problems of information gap and the coordination of collective action in the market.

关 键 词：普惠金融 融资 中小企业 金融排斥 

分 类 号：F832.5[经济管理—金融学]