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小微企业在我国经济社会发展中具有十分重要的战略地位,但融资难长期制约小微企业生存和发展,而小微企业融资难的实质在于融资成本高。发展产业集群能解决银企信息不对称问题,提高小微企业整体信用和保证资金安全,解决小微企业抵押担保物不足问题,降低小微企业融资评估成本和申请费用。通过完善银行风险定价机制,探索创新互助抵押贷款、互助合作基金、网络联保贷款融资模式以完善融资制度与优化融资环境,能够有效降低小微企业融资成本,缓解其融资难问题。
Small and micro-enterprises have a very important strategic position in the economic and social development in our country. However, it is difficult for financing to restrict the existence and development of small and micro-enterprises for a long time. The essence of financing for small and micro enterprises is that the financing cost is high. The development of industrial clusters can solve the problem of information asymmetry between banks and enterprises, improve the overall credit of small and micro enterprises and ensure the safety of funds, solve the problem of insufficient collateral for small and micro enterprises, and reduce the financing assessment cost and application fee for small and micro enterprises. By improving the bank risk pricing mechanism, exploring innovative mutual-help mortgage loans, mutual cooperation funds and network loan guarantee financing models to improve the financing system and optimize the financing environment can effectively reduce the financing costs of small and micro enterprises and ease their financing difficulties.