对当前吉林省小微企业融资情况的研究  

Research on Financing Situation of Small and Micro Enterprises in Jilin Province

作　　者：孙维仁[1] 陈岩[1] 朱昱霖 毕文祥 SUN Weiren;CHEN Yan;ZHU Yulin;BI Wenxiang

机构地区：[1]中国人民银行长春中心支行

出　　处：《吉林金融研究》2019年第11期1-3,共3页Journal of Jilin Financial Research

摘　　要：为全面把握吉林省小微企业融资情况、了解小微企业发展中面临的困难、持续反映政策效果,人民银行长春中心支行对吉林省小微企业融资情况开展调查研究。调查结果显示:全省小微企业贷款难度降低,贷款利率有所下降,但小微企业直接融资水平较低,融资渠道集中于银行贷款,且贷款类型较为单一。同时,以担保费为主的非利息费用叠加后小微企业融资成本明显上升。对此,本文提出以下建议:一是切实改善营商环境,大力拓展有效需求;二是深化金融供给侧改革,加强多元化、多层次资本市场建设;三是推进金融服务信用信息平台建设,科技赋能小微融资。To comprehensively grasp the financing situation and development difficulties of small and micro enterprises in Jilin province,Changchun Center Branch of the People’s Bank of China conducts the investigation and study to reflect the policy effect continuously.The survey results show that it is less difficult for small and micro enterprises to finance in Jilin province,and the loan interest rate has decreased.However,the direct financing level of small and micro enterprises is relatively low,and the financing channels are concentrated in bank loans,and the types of loans are relatively single.At the same time,the financing cost of small and micro enterprises increased obviously after the superposition of the non-interest cost,which is mainly the insurance premium.To this end,this paper puts forward the following Suggestions:first,effectively improve the business environment,vigorously expand effective demand.Second,deepen financial supply-side reform and strengthen the building of a diversified and multi-tiered capital market.Third,promote the construction of credit information platforms for financial services and enable small and micro financing through science and technology.

关 键 词：小微企业 融资情况 贷款利率 营商环境 

分 类 号：F830[经济管理—金融学]