金融供给侧结构性改革背景下发展微型金融机构研究被引量：59

Research on the Development of Micro-finance Institutions under the Background of Financial Supply-side Structural Reform

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摘要金融供给侧结构性改革意在改善我国金融服务的不均衡、不充分状态,以适应经济高质量发展和建设现代化经济体系的需要,其中重点是解决好对小微企业和民营企业的贷款、信贷支持和金融支持。虽然目前我国各类金融机构在一定程度上满足了小微企业融资需求,但未能从根本上解决小微企业融资问题,究其原因,各类金融机构在服务小微企业上均存在不足,使得供给端与需求端不匹配,因此,解决我国中小微企业融资难、融资贵问题的关键在于推动金融领域供给侧改革,大力发展微型金融机构。结合国内外经验看,大力发展微型金融机构应贯彻落实新发展理念,以服务实体、服务小微为本,优化大中小金融机构布局,明确各自发展战略,同时做好对金融风险的预警与防范。 The financial supply-side structural reform is intended to improve the imbalance and insufficient state of China's financial services in order to meet the needs of high-quality economic development and the construc. tion of a modern economic system, with the focus on solving loans, credit support and financial support to small and micro enterprises and private enterprises. Although various financial institutions in China have met the financing needs of small and micro enterprises to a certain extent, they have not been able to fundamentally solve the financing problems of small and micro enterprises. The reason is that various financial institutions have shortcomings in serv. ing small and micro enterprises, the supply side and demand side do not match. Therefore, the key to solving the problem of financing difficulties and high expense of finance for small and medium-sized enterprises in China is to promote supply-side reform in the financial sector and vigorously develop micro-finance institutions. Based on do. mestic and international experience, the development of micro-finance institutions should implement new develop. ment concepts, target serving the entities and small and micro enterprises, optimize the layout of large, medium and small financial institutions, clarify their respective development strategies, and perform well in early warning and prevention of financial risk at the same time.

作者陆岷峰徐博欢 Lu Minfeng;Xu bohuan

机构地区南京财经大学江苏创新发展研究院南京财经大学金融学院

出处《西南金融》北大核心 2019年第4期29-38,共10页 Southwest Finance

基金江苏省互联网金融协会省级项目"关于金融服务实体经济战略研究"(项目编号:2019SHJ35) 江苏袋鼠妈妈金融科技战略管理项目课题(2019dzmm79)

关键词金融供给侧结构性改革小微企业融资民营企业微型金融机构微型金融普惠金融民营经济金融扶贫风险防控金融支持实体经济 Financial Supply-side Structural Reform Financing for Small and Micro Enterprises Private Enter.prises Micro-finance Institutions Micro-finance Inclusive Finance Private Economy Financial Poverty Allevia.tion Risk Prevention and Control Financial Support for the Real Economy