基于经济结构学理论下的小微企业融资结构优化、均衡与协调  

Research on Optimization,Equilibrium and Coordination of Financing Structure of Small and Micro Enterprises Based on Economic Structure Theory

作　　者：陆岷峰 LU Minfeng(Office of the Board of Directors, Bank of Jiangsu Head Office, Nanjing 210000, China)

机构地区：[1]江苏银行总行董事会办公室,江苏南京210000

出　　处：《宜宾学院学报》2020年第11期67-77,共11页Journal of Yibin University

基　　金：国家社会科学基金一般项目(18BJY111);江苏高校哲学社会科学研究重大项目(2019SJZDA063)。

摘　　要：基于经济结构学理论框架关于小微金融理论研究前沿的成果,通过对涉及小微金融若干经济指标的比较分析得出:我国的小微金融供需“总体均衡、结构短缺”;金融方式、金融机构、金融布局、金融治理四大要素结构失衡,直接导致我国小微金融约20万亿元资金“硬性缺口”。小微金融的发展需要根据当前的社会经济环境,采取有效可行、针对性强的优化金融结构对策与措施,从根本上解决小微金融供给与小微企业需求的平衡及结构协调。Based on the research results of the frontier of small and micro finance theory under the framework of economic structure theory,it is obtained through comparative analysis of several economic indicators involved in small and micro finance:the supply and demand of small and micro finance in China have“shortage of general equilibrium and structure”;financial mode,financial institutions,financial arrangement and financial governance are imbalanced,which directly leads to a“hard gap”of about 20 trillion yuan in China’s small and micro finance.The development of small and micro finance needs to take effective,feasible and targeted countermeasures and measures to optimize the financial structure according to the current social and economic environment,so as to fundamentally solve the balance and structural coordination between the supply of small and micro finance and the demand of small and micro enterprises.

关 键 词：经济结构学 小微融资结构 均衡与协调 

分 类 号：F832.39[经济管理—金融学]