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中小企业“融资难”已经不是一个新鲜的话题,但却是一个时不时能引起人们关注的话题。原因其实很简单,当中国官方的金融体系在某种程度上很难解决中小企业融资问题时,“草根金融”便会经常跳入人们的眼帘。草根,顾名思义就是最底部最重要的那一部分,草根金融实际上就是泛指个体、家庭、企业之间,绕开官方正式的金融体系而直接进行金融交易的行为,也就是通常的“民间金融”,在诸多的民间金融形式和组织中,能逐渐得到社会认可并具有良好发展势头的莫过于民间借贷了。
SME “financing difficulties” is not a new topic, but it is a topic that can cause people’s attention from time to time. The reason is very simple. When China’s official financial system is to some extent difficult to solve the financing problem of SMEs, “grassroots finance” will often jump into people’s eyes. Grassroots, as its name implies, is the most important part at the bottom. Grassroots finance refers to the act of conducting financial transactions directly between individuals, families and enterprises by bypassing the formal official financial system, that is, the usual “private finance” Among the many forms and organizations of non-governmental finance, people have gradually gained the approval of the society and have enjoyed a good momentum of development from private lending.