中小企业金融健康问题研究——基于伊犁州直“专精特新”中小企业问卷调查  

Research on Financial Health of Small and Medium-sized Enterprises Based on a questionnaire survey of“Specializing in specialty new”SMEs in Yili Prefecture

作　　者：郭佳靖 Guo Jiajing(Yili Zhou Central Sub-branch,the People's Bank of China)

机构地区：[1]中国人民银行伊犁州中心支行

出　　处：《金融发展评论》2023年第2期52-64,共13页Financial Development Review

摘　　要：中小企业是国民经济和社会发展的基石,也是普惠金融的重点服务对象之一,近年来,我国普惠金融体系不断完善,中小企业金融服务可得性和覆盖率大幅提升。然而,普惠金融并不总是产生好的结果,其是否以及如何改善中小企业福祉成为新时代推动普惠金融高质量发展需要关注的问题。为此,本文引入金融健康概念,在探讨构建中小企业金融健康指标体系和测算方法的基础上,以伊犁州直“专精特新”中小企业为例,评估中小企业金融健康现状,指出当前中小企业金融健康存在的问题,提出政策建议,以期促进我国普惠金融和中小企业高质量发展。Small and medium-sized enterprises are the cornerstone of national economic and social development,and also one of the key service objects of inclusive finance.In recent years,China's inclusive financial system has been constantly improved,and the availability and coverage of financial services for small and medium-sized enterprises have been greatly improved.However,inclusive finance does not always produce good results.Whether and how to improve the well-being of SMEs has become a problem that needs attention in the new era to promote the high-quality development of inclusive finance.Therefore,this paper innovatively introduces the concept of financial health,and on the basis of discussing how to build a financial health indicator system and measurement methods for small and medium-sized enterprises,taking the“Specializing in specialty new”small and medium-sized enterprises directly under Yili Prefecture as an example,evaluates the financial health status of small and medium-sized enterprises,points out the problems existing in the current financial health of small and medium-sized enterprises,and puts forward policy recommendations to promote inclusive finance and high-quality development of small and medium-sized enterprises in China.

关 键 词：中小企业 问卷调查 普惠金融 金融健康 

分 类 号：F832.7[经济管理—金融学] F276.3