论文部分内容阅读
小微企业是我国经济和社会发展的重要力量,在稳定增长、扩大就业、增加税收、促进创新等方面均发挥着极为重要的作用。尽管当前金融机构为小微企业提供了更多支持,众多金融机构也将小微业务视为业务蓝海,但小微企业旺盛的融资需求仍然未能得到有效满足,据估计我国小微企业融资需求满足率仅在20%~25%。2012年,国家开发银行全资子公司国开金融公司与江苏金农公司共同出资设立了开鑫贷准公益性社会融资服务平台,探索通过线上的
Small and micro enterprises are an important force in the economic and social development of our country and play an extremely important role in stabilizing growth, expanding employment, increasing taxes, and promoting innovation. Despite the current financial institutions to provide more support for small and micro enterprises, many financial institutions also regard small and micro businesses as the blue ocean of business, but the exuberant financing needs of small and micro enterprises are still not effectively met. It is estimated that China’s small and micro enterprises financing needs Satisfaction rate is only 20% ~ 25%. In 2012, CDB Finance Co., Ltd., a wholly-owned subsidiary of China Development Bank, and Jiangsu Jinnong Co., Ltd. co-funded the establishment of Kaixin’s social service platform for public welfare financing,