發(fā)布時(shí)間：2018-03-01 15:17

  本文關(guān)鍵詞： 金融政策 小微企業(yè) 政策有效性　出處：《金融發(fā)展研究》2017年09期 　論文類(lèi)型：期刊論文

【摘要】：本文基于模糊綜合評(píng)價(jià)模型對(duì)金融支持小微企業(yè)政策有效性進(jìn)行了評(píng)估,研究發(fā)現(xiàn)各種政策手段的組合與配置對(duì)于小微企業(yè)融資環(huán)境改善作用逐步凸顯。直接作用于商業(yè)銀行信貸管理和服務(wù)優(yōu)化方面的政策有效性更為顯著;定向貨幣政策和差別化監(jiān)管措施增強(qiáng)了政策傳導(dǎo)效率;金融生態(tài)環(huán)境優(yōu)化政策還需釋放更多的潛能;多層次金融組織建設(shè)政策有效性相對(duì)較低;直接融資成為當(dāng)前小微企業(yè)融資最薄弱環(huán)節(jié)。依據(jù)研究結(jié)果,應(yīng)繼續(xù)強(qiáng)化貨幣政策和差別化監(jiān)管正向激勵(lì);改進(jìn)小微企業(yè)信貸運(yùn)營(yíng)管理機(jī)制,激活銀行信貸投放內(nèi)生動(dòng)力;推動(dòng)多層次金融組織體系建設(shè),規(guī)范大力發(fā)展新型金融機(jī)構(gòu)和業(yè)態(tài);完善信息和增信的配套制度,健全風(fēng)險(xiǎn)分擔(dān)和補(bǔ)償機(jī)制;加快推進(jìn)多元化小微企業(yè)融資機(jī)制,切實(shí)拓寬企業(yè)融資渠道。
[Abstract]:This paper evaluates the policy effectiveness of financial support for small and micro enterprises based on fuzzy comprehensive evaluation model. It is found that the combination and allocation of various policies and measures have a significant effect on the improvement of the financing environment of small and micro enterprises, and the policy effectiveness of the direct effect on the credit management and service optimization of commercial banks is more significant. Targeted monetary policy and differentiated regulatory measures enhance the efficiency of policy transmission; the optimization of the financial ecological environment policy needs to release more potential; the policy effectiveness of multi-level financial organization construction is relatively low; Direct financing has become the weakest link in financing of small and micro enterprises at present. According to the research results, we should continue to strengthen monetary policy and differential supervision, improve the management mechanism of credit operation of small and micro enterprises, and activate the endogenous motive force of bank credit. To promote the construction of a multi-level financial organization system, to standardize and vigorously develop new financial institutions and business patterns, to improve the supporting system for information and credit enhancement, to improve the risk-sharing and compensation mechanism, and to accelerate the promotion of a diversified financing mechanism for small and micro enterprises, We will effectively broaden the channels for enterprise financing.
【作者單位】： 中國(guó)人民銀行濟(jì)南分行;
【分類(lèi)號(hào)】：F276.3;F832.4

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本文編號(hào)：1552489