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本研究对广州市白云小微企业的专项调研表明,发达地区小微企业融资依然存在专营性金融机构不足、金融机构存贷比偏低、小微企业风控难度大、信用担保体系薄弱、社会诚信体系缺乏等融资困难,导致小微企业融资渠道少、融资难度大。亟待政府不断完善金融政策与投资环境、金融机构不断创新金融服务与产品、小微企业不断改进自我素质与风控能力等对策措施的实施。
The research on Baiyun small and micro enterprises in Guangzhou shows that the financing of small and micro enterprises in the developed areas still lacks the existence of franchised financial institutions, the low loan-to-deposit ratio of financial institutions, the difficulty of risk control of small and micro enterprises, the weak credit guarantee system, Lack of credit system and other financing difficulties, resulting in less financing channels for small and micro enterprises, financing difficulty. It is urgent for the government to continuously improve its financial policies and investment environment, constantly innovate financial services and products by financial institutions, and implement such countermeasures as the continuous improvement of self-quality and risk control ability of small and micro enterprises.