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作为中国经济转型和保增长的“双引擎”之一,大众创业、万众创新需要金融的积极支持。而我国正规金融市场对中小企业和个人天生存在金融排斥现象,非正规金融市场提供的金融支持有限,这就需要政府有所作为。但在政府金融支持政策实施过程中出现了一些问题,削弱了实施效果。要推动大众创业万众创新的有效开展,政府应将金融支持的重点转向创新创业金融支持体系建设,利用多层次资本市场和互联网金融拓宽创新创业的资金来源。同时要创造条件更好地发挥商业银行对大众创业万众创新的金融支持作用。
As one of the “twin engines” of China’s economic restructuring and growth, the general public needs a lot of financial support for their business start-ups and innovation. However, the financial exclusion inherent in the formal financial market for SMEs and individuals in our country and the limited financial support provided by informal financial markets require the government to make a difference. However, some problems arose during the implementation of government financial support policies, weakening the implementation effect. In order to promote the innovation of public entrepreneurship, the government should shift the focus of financial support to the establishment of an innovative and pioneering financial support system, and make use of multi-level capital markets and Internet finance to broaden the sources of funds for innovation and entrepreneurship. At the same time, it is necessary to create the conditions for better exerting the financial support function of commercial banks to the mass and innovative businesses.