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兼具政策性的小微企业并不是单一的经济组织,在融资过程中,与完全市场化的商业银行无法完美衔接。因此,分清小微企业是市场化还是政策性质,对解决融资难尤为关键。我国小微企业并不是单一的经济组织,它还承担了一定的社会职能,想要通过商业银行的市场化手段解决小微企业非市场化方面的融资问题,显然是很难成功的。这就要求我们必须分清小微企业的特殊社会属性。作为市场经济主体的商业银行只能通过市场化手段来解决与之相对应的
Small and micro-sized enterprises that are both policy-oriented are not single economic organizations. They can not be perfectly connected with fully marketized commercial banks during the financing process. Therefore, it is crucial to distinguish between small and micro-enterprises whether they are market-oriented or policy-oriented. China’s small and micro enterprises are not single economic organizations. They also undertake certain social functions. Obviously, it is very difficult to succeed in solving the non-market financing problems of small and micro enterprises through the commercialization of commercial banks. This requires that we must distinguish the special social attributes of small and micro enterprises. As the main body of the market economy, commercial banks can only solve their problems through market-oriented measures