美国经验对优化我国农村创业融资环境的启示  

Enlightenment of American Experience to China in Optimizing Its Rural Start-up Financing Environment

作　　者：杨森[1] 高继宏[2] YANG Sen;GAO Ji-hong(BusinessSchool, SuqianCollege, Suqian 223800, China;Audit Office, SuqianCollege, Suqian 223800, China)

机构地区：[1]宿迁学院商学院,江苏宿迁223800 [2]宿迁学院审计处,江苏宿迁223800

出　　处：《安徽商贸职业技术学院学报》2017年第3期30-33,共4页Journal of Anhui Business College

基　　金：江苏省教育厅哲学社会科学基金项目(2016SJD630147);宿迁市社科应用规划项目"农村网络创业融资环境优化研究"

摘　　要：我国农村地区掀起了一轮新的创新创业的热潮,但融资难严重制约了农村创业企业的数量和质量发展。美国自20世纪60年代开始致力于中小企业发展的若干做法,特别是改善中小企业融资困境的经验非常值得我们学习和借鉴。因此,应建立健全有利于农村创业融资的法律法规,大力发展农村金融机构,加快金融创新步伐,进一步完善中小企业信用担保体系,明确政府职责,充分发挥市场机制的作用。Currently there emerges a new round of innovation and start-up in China's rural areas,but the financing difficulties seriously restrict the development of rural start-up enterprises,both in quantity and quality.Since the1960s America has been devoted to developing small and medium-sized enterprises and focused on helping them solve financing plight.China should learn from and refer to their experiences,for example,establishing and optimizing the law and regulations supporting rural start-up financing,developing rural financial institutions,accelerating financial innovation,further improving SME credit warranty system,clarifying governments'responsibility and letting the market fully display its function.

关 键 词：美国 SBA 农村 融资 

分 类 号：F832.43[经济管理—金融学]