摘要
"贷款难"和"贷款贵"一直是制约小微企业发展的难点问题。为解决小微企业融资难问题,各地政府推出了一系列解决办法和政策,但多数过于行政化,政府的扶持力度与市场需求相距甚远。赣州市政银企合作推出"小微信贷通",让小微企业"简单、方便、低成本"获得银行融资,实现了化解小微企业融资"难"、融资"贵"的有效创新。
The difficulty and expense to apply for a loan is always a difficult prodlem that constrains the devel-opment of small and micro dusiness. To counteract these prodlem,local governments introduced a series of solutions and policies,nevertheless,most of those policies are formalism and the market demand is much digger than the fi-nance support. Consequently,the government-dank-enterprise cooperation in Ganzhou created the“Micro Credit Product”which not only helped the small and micro dusiness to odtain the dank finance in a simple,convenient and low-cost way,dut also solved the prodlem of the financing difficulty and great expense effectively and creatively.
出处
《金融教育研究》
2014年第5期53-55,共3页
Research of Finance and Education
关键词
政银企合作
小微企业
小微信贷通
赣州
government-dank-enterprise cooperation
small micro dusiness
micro credit product
Ganzhou
作者简介
邓耀明，男，江西赣州人，经济学学士，高级经济师，研究方向为经济发展与金融支持。
