科技型小微企业融资难及金融支持——基于微型金融的视角

从融资难的实质来看,我国科技型小微企业融资难的原因在于现行金融体系对科技型小微企业的天然排斥。微型金融适应科技型小微企业的融资需求,能够有效解决科技型小微企业融资难题。文章基于微型金融模式的运行,金融支持科技型小微企业发展需要构建微型金融市场、微型金融服务、微型金融政策三者相结合的微型金融体系。

Financing Difficulty of Technology-based Small and Micro Businesses and Financial Support-Based on the Perspective of Microfinance

From the view of the essence of financing difficulty, the reason of financing difficulty for China’s technolo-gy-based small and micro businesses is the natural repulsion between the current financial system and the businesses. Mi-crofinance institution adapts to the financing demand of technology-based small and micro businesses,which can effective-ly solve the financing problems of the businesses. Based on the operation of microfinance mode,the microfinance systemshould be constructed,which is the combination of microfinance market,microfinance services and microfinance polices,in order to support the development of technology-based small and micro businesses.