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[1]林 深.经济新常态下中小金融机构破解小微企业融资困境研究——以长乐农商银行为例[J].绵阳师范学院学报,2018,(12):16-20.[doi:10.16276/j.cnki.cn51-1670/g.2018.12.004]
 LIN Shen.How to Solve the Financing Difficulties of Small and Micro Enterprises under the New Normal Economic Situation: Take Changle Rural Commercial Bank as an Example[J].Journal of Mianyang Normal University,2018,(12):16-20.[doi:10.16276/j.cnki.cn51-1670/g.2018.12.004]
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经济新常态下中小金融机构破解小微企业融资困境研究——以长乐农商银行为例(PDF)
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《绵阳师范学院学报》[ISSN:1672-612X/CN:51-1670/G]

卷:
期数:
2018年12期
页码:
16-20
栏目:
经济与管理
出版日期:
2018-12-07

文章信息/Info

Title:
How to Solve the Financing Difficulties of Small and Micro Enterprises under the New Normal Economic Situation: Take Changle Rural Commercial Bank as an Example
文章编号:
1672-612X(2018)12-0016-05
作者:
林 深
福州外语外贸学院金融系,福建福州 350202
Author(s):
LIN Shen
Department of Finance, Fuzhou University of International Studies and Trade, Fuzhou, Fujian 350202
关键词:
中小金融机构 小微企业 融资 长乐农商银行
Keywords:
small and medium-sized financial institutions small and micro enterprises financing Changle Rural Commercial Bank
分类号:
F832.4
DOI:
10.16276/j.cnki.cn51-1670/g.2018.12.004
文献标志码:
A
摘要:
经济新常态下小微企业经营和生存压力加大,融资问题尤为突出。以农村商业银行为代表的中小金融机构是解决小微企业融资困境的重要机构。本文以长乐农商银行为例,首先阐述经济新常态下小微企业融资现状与特点,以及中小金融机构服务小微企业概况,然后研究长乐农商银行破解小微企业融资困境的做法,再分析长乐农商银行服务小微企业实践中存在的问题,最后提出完善中小金融机构破解小微企业融资困境的建议。
Abstract:
The operation and survival pressure of small and micro enterprises is increasing under the new normal economic situation, and the financing problem is particularly prominent. Small and medium-sized financial institutions represented by rural commercial banks are important institutions to solve the financing difficulties of small and micro enterprises. Taking Changle Rural Commercial Bank as an example, this paper first expounds the financing situation and characteristics of small and micro enterprises under the new normal economic situation and the general situation of small and micro enterprises serving by small and medium-sized financial institutions, studies the methods of Changle Rural Commercial Bank to solve the financing difficulties of small and micro enterprises, analyzes the problems existing in the practice of Changle Rural Commercial Bank serving small and micro enterprises, and finally put forward some suggestions.

参考文献/References:

[1] 魏再晨,李林鸾.探索小微企业“补血”之道[N].农村金融时报,2018-07-09(A02).
[2] 张末冬,王兆星.将对小微贷款实行“两增两控”考核[N].金融时报,2018-05-04(1).
[3] 工商总局.全国小微企业发展报告[R/OL].
[2018-03-01].http://politics.people.com.cn/n/2014/0328/c70731-24766041.html.
[4] 史建平.中国中小微企业金融服务发展报告(2017)[R].北京:中国金融出版社,2017.
[5] 贾莹莹.中小商业银行创新服务小微企业:机理、现状与阻碍[D].北京:中央民族大学,2013.
[6] 韩刚.商业银行金融创新与科技型小微企业融资困境突破:以交通银行苏州科技支行为例[J].金融理论与实践,2012(4):20-23.

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备注/Memo

备注/Memo:
收稿日期:2018-09-26
基金项目:福建长乐农村商业银行股份有限公司与福州外语外贸学院金融系普惠金融产学研合作横向课题研究(H2017049-14)。
作者简介:林深(1983- ),女,福建福州人,副教授,硕士,中级经济师,研究方向:金融市场。
更新日期/Last Update: 2018-12-07