后疫情时代下完善我国小微企业信用融资制度的对策建议  

Countermeasures and suggestions on perfecting the credit financing system of small and micro enterprises in China in the post epidemic Era

作　　者：汤黎明 罗茜 Tang Liming;Luo Qian

机构地区：[1]中国社会科学院大学博士后流动站 [2]北京市丰台区市场监督管理局

出　　处：《价格理论与实践》2021年第9期133-136,共4页Price:Theory & Practice

基　　金：国家自然科学基金项目“有效税率与区域经济增长:理论、实证和路径选择研究”(71263046);中国社会科学院博士后创新项目《深度研判我国民营企业融资难题的解决之道》。

摘　　要：后疫情时代下,小微企业的信用融资关乎民生就业和创业。本文采用"倒推法"来进行政策逻辑的演绎,从调研中的案例出发,以问题为导向并基于制度改进的逻辑来提出政策的边际改善空间,提出可从四方面来完善我国小微企业信用融资审批制度:一是采用人工审批与大数据审批模型相结合的手段;二是实施无还本续贷、延长贷款期限、调整还款方式等综合措施;三是政府相关部门与商业银行合力推广人才贷产品。in the post epidemic era, the credit financing of small and micro enterprises is related to people’s livelihood,employment and entrepreneurship.This paper uses the "backward method" to deduce the policy logic, starting from the cases in the investigation, taking the problem as the guidance and based on the logic of system improvement.It is proposed to improve the credit financing approval system of small and micro enterprises in China from four aspects: firstly, adopt the combination of manual approval and big data approval model;Secondly, implement comprehensive measures such as renewing loans without repayment of principal, extending loan term and adjusting repayment mode;Thirdly, relevant government departments and commercial banks work together to promote talent loan products.

关 键 词：小微企业 信用融资 制度改进 

分 类 号：F276.3[经济管理—企业管理] F832.4[经济管理—国民经济] F275