疫情背景下的中小微企业金融纾困模式

针对新冠病毒肺炎疫情,本课题组对中小微企业的生存压力进行调研,发现85%中小微企业现金流不足支持3个月;各级政府、金融机构的救助政策反应迅速、积极,但惠及效率有待提高;企业现金流救助需要发挥政府平台和产业链群形成的产业平台的作用,助推金融精准纾困中小微企业。建议政府部门短期积极利用两大平台资源,优化中央、地方政府专项纾困基金和支持性贷款、金融扶持资金和优惠贷款的管理模式;中期建立专项中小微企业发展的扶持基金和就业援助计划,推动中小微企业转型升级。

The Financial Bailout of Micro-, Small-and Medium-Sized Enterprises in the Coronavirus Pandemic

Based on the survival stress research of micro-, small-and medium-sized enterprises during the outbreak of the novel coronavirus pneumonia, this paper finds that 85% of the enterprises could not last for 3 months due to cash flow shortage;the responds of governments and financial institutions at different levels are fast and positive, but not inclusively efficient;the targeted bailout of enterprise’s cash flow should be based on the industrial platform combining the government and industrial chain. This paper suggests that, in the short term, the government should make full use of the platforms of the government and industry, optimize the management of special funds and support loans from central and local governments,as well as the support funds and concessional loans from financial institutions;in the medium term, supportive funds and employment rescue plans should be established for the transformation and upgrading of the enterprises.