民间金融与中小企业发展:对温州的实证分析

本文以温州为例对中小企业发展与民间金融互动关系问题进行了实证分析。温州中小企业 (尤其是规模居中的中小企业 )对于民间金融有着较为明显的需求。在民间金融供给方面 ,我们对温州介入中小企业信贷的民间金融规模及运作方式进行了分析。本文认为 ,政府需要建立多元化的中小企业融资服务体系 ,引导民间金融组织逐步演化为规范化运作的、定位于中小企业融资服务的民营金融机构 ,才能从根本上解决中小企业融资问题

Private Finance and Small & Medium-Sized Enterprises Development: Empirical Evidence from Wenzhou Region

The interactive relationship between private finance and small & medium sized enterprises (SMEs) development is analyzed in this paper by the observations from Wenzhou Region. It is found that SMEs, especially the middle size group, have very obvious demands for local private capitals. On the supply side, an analysis is advanced about the scale and operation of private finance. The scale of SMEs' private finance in Wenzhou region is estimated more than RMB 23 5 billion. It is suggested that government should establish a diverse financial support system for SMEs, and transform the existing local private finance organizations into SME oriented formal financial institutions.