民营和小微企业融资难融资贵问题的影响因素分析——基于新疆的典型调查  

Analysis on the Influencing Factors of the Difficulty in Financing for Private and Small-Micro Enterprises:Typical Investigation Based on Xinjiang

作　　者：庞秀萍[1] Pang Xiuping(Urumqi Central Sub - branch, the People's Bank of China)

机构地区：[1]中国人民银行乌鲁木齐中心支行

出　　处：《金融发展评论》2019年第2期128-134,共7页Financial Development Review

摘　　要：2018年以来民营和小微企业融资难融资贵问题日益凸显。本文结合新疆的典型调查,从外因、内因、政府行为等三方面进行了分析。综合分析认为,民营和小微企业融资难融资贵问题的根源在于经济下行压力大、政策传导机制不畅以及政府与市场的关系没有处理好。摆脱融资困境应主要从后两者着力,从风险补偿机制、信息共享平台建设、信贷政策引导、金融服务体系构建、金融产品创新等多方面综合施策。Since 2018, the difficulty in financing for private and small - micro enterprises has become increasingly prominent. Based on the typical investigation in Xinjiang, this paper makes an analysis from three aspects: external cause, internal cause and government behavior. Comprehensive analysis shows that the basic causes of the financing difficulty for private enterprises and small - micro enterprises lie in the environment of downward economic pressure, the poor policy transmission mechanism, and the relationship between the government and the market. To get rid of the financing difficulties, we should focus on the latter two aspects, including risk compensation mechanism, information sharing platform construction, credit policy guidance, financial service system construction, financial product innovation.

关 键 词：民营企业 小微企业 融资 

分 类 号：F832.4[经济管理—金融学] F276.3F276.5