摘要
党的十九大报告指出,中国特色社会主义进入新时代,我国社会主要矛盾已经转化为人民日益增长的美好生活需要和不平衡不充分的发展之间的矛盾。当前,我国社会生产力水平总体上显著提高,社会生产能力在很多方面进入世界前列,更加突出的问题是发展不平衡不充分,这已经成为满足人民日益增长的美好生活需要的主要制约因素。金融是现代经济的核心,金融服务实体经济的能力是解决我国经济发展"不平衡不充分"问题的关键因素。解决"不平衡不充分"问题,必须深化金融体制改革,增强金融服务实体经济的能力,提高直接融资比重,促进多层次资本市场的健康发展。普惠金融旨在为大众服务,其打破了以往的金融只限于大型企业、国企的固有形式。在目前广为推广普惠金融的政策环境之下,更加注重实体经济的发展是必然的趋势,而中小微企业作为实体经济的重要组成部分,必然在此环境之下成为重点发展的方向之一。但由于小微企业自身的特征导致了其存在融资难的问题.普惠金融的背景下,小微企业的融资问题需要多方面的共同努力来解决。
The report of the 19 th National Congress of the Communist Party of China indicates that socialism with Chinese characteristics has entered a new era, the principal contradiction facing Chinese society has evolved. What we now face is the contradiction between unbalanced and inadequate development and the people＇s ever-growing needs for a better life.Now Chinese social productive level has significantly increased and some industries has leaped into the front ranks of the world, but the unbalanced and inadequate development has became the main constraints for satisfying the people＇s ever-growing needs for a better life. Improve the ability of financial service on real economy is the key factor for solving unbalanced and inadequate development of Chinese economy. We must deepen reform of the financial system, raise the proportion of direct financing and promote the development of multi-level capital market to improve the ability of financial service on real economy. Inclusive financial system is aimed at providing financing services for the society, it have broken through the normal financing patterns that only provide financing for large companies and slate-owned enterprises. Under the environment of widely implementing the Inclusive financial system, the government put more emphasis on the development of real economy. Small and micro businesses is an important part of real economy, it will become the priority on the development of real economy. While small and micro businesses is becoming an increasingly important part in the statements of central bank of China, however the characteristic of small and micro businesses leads to the difficulties in financing, which needs to make various efforts to solve this problem.
作者
阎贞希
Yan Zhenxi(School of Economics and Management, China Agricultural Universit)
出处
《金融发展评论》
2018年第3期124-135,共12页
Financial Development Review
关键词
普惠金融
小微企业
融资
Inclusive Financial System
Small and Micro Businesses
Financing
