摘要
当前,我国中小企业融资价格高阻碍了企业的正常发展,发展普惠金融对降低中小企业融资价格具有重大现实意义。对普惠金融的概念及相关研究方向进行总结,深入分析普惠金融提出的背景及在我国的发展现状,针对普惠金融对中小企业融资价格的影响机制进行剖析,并分析我国当前阶段中小企业开展普惠金融过程中存在的问题,从深化社会信用体系建设、建立中小企业数据采集标准、加强信息技术基础设施建设以及探索商业银行股权收益权实施方案等方面提出建议,以切实推动普惠金融发展,提高中小企业融资效率,降低中小企业融资价格。
Inclusive Finance is of great value to solve the financing difficulties and financing problems of small and medium-sized enterprises.At present,the high financing price of small and medium-sized enterprises hinders the normal development of enterprises,and the development of Inclusive Finance has great practical significance to reduce the financing price of small and medium-sized enterprises.This paper summarizes the concept of Inclusive Finance and related research directions,analyzes the background of Inclusive Finance and its development status in China,and analyzes the impact mechanism of Inclusive Finance on the financing price of medium-sized and small enterprises,and analyzes the existence of Inclusive Finance in the current stage of medium-sized and small enterprises in China.The problem.In order to promote the development of inclusive finance,improve the financing efficiency of small and medium-sized enterprises and reduce the financing price of small and medium-sized enterprises,suggestions are put forward from the aspects of deepening the construction of social credit system,establishing the data collection standard of small and medium-sized enterprises,strengthening the construction of information technology infrastructure and exploring the implementation scheme of the equity income right of commercial banks.
作者
何宁
He Ning(Central University Of Finance and Economics,Beijing 100081)
出处
《重庆社会科学》
CSSCI
2018年第10期82-92,共11页
Chongqing Social Sciences
基金
国家自然科学基金项目"货币政策
房地产价格与金融稳定"(71503290)
关键词
普惠金融
融资价格
中小企业
inclusive finance
financing price
small and medium enterprises
