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近年来实体经济出现了“融资难、融资贵”问题,特别是小微企业等薄弱领域尤为突出。这些问题反映出我国金融供给同质化与金融需求多层次之间的矛盾。纾解小微企业融资困境,离不开发展思路创新(如加快发展中小金融机构等)。上海、天津、深圳等地民营银行的正式获批筹建,便是这一发展思路的直接体现,意图通过民营中小银行的差异化定位,提高对小微企业的信贷支持,让金融“这池活水”更好地浇灌“三农”、小微企业
In recent years, the real economy has experienced the problem of “financing difficulties and high financing costs.” In particular, the weak areas such as small and micro enterprises are particularly prominent. These problems reflect the contradiction between the homogeneity of China’s financial supply and the multi-level of financial demand. To alleviate the financing difficulties of small and micro enterprises can not be separated from the development of innovative ideas (such as accelerating the development of small and medium financial institutions, etc.). The formal approval of private banks in Shanghai, Tianjin and Shenzhen is the direct manifestation of this development concept. The intention is to increase the credit support for small and micro-sized enterprises through the differentiated positioning of private small and medium banks, Living water “better water ” Sannong ", small and micro enterprises