金融助力供给侧结构性改革摘 要经济发展新态势下，供给侧结构性改革刻不容缓，金融行业如何根据发展实际与需要，做出改变成为人们日渐关注的焦点。小微企业作为新时期经济发展的重要推力，其发展对我国经济转型升级有着重要意义。但是由于小微企业处于弱势地位，其融资难以及融资贵的问题始终是其主要制约因素。另一方面，互联网的快速发展为其他金融机构的信贷提供了机遇，银行不得不面对着“金融脱媒”的挑战。在此背景下，银行只有相应政策号召，转变服务理念，改进小微信贷业务，助力小微企业发展，才能实现合作双赢。关键词：小微企业银行融资；银行信贷；供给侧结构性改革AbstractUnder the new situation of economic development, the supply-side structural reforms without delay, according to how the actual development of the financial sector and the need to make a change increasingly become the focus of attention. Small and micro enterprises as an important thrust of the new era of economic development, the development of the upgrading of China's economic transformation is of great significance. However, due to the small and micro businesses in a weak position, its financing is difficult and expensive financing issue has always been the main constraint. On the other hand, the rapid development of the Internet provides opportunities for credit and other financial institutions, the bank had to face "financial disintermediation," the challenge. In this context, the bank is only appropriate policy call, change the service concept, improve the small and micro credit, and help small and micro enterprise development, in order to achieve win-win cooperation.Key words: Bank financing small and micro enterprises; bank credit; supply-side structural reforms目 录摘要........................................................................................................................1Abstract.....................................................................
