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改革开放以来,广西经济迅猛发展,而小微企业在广西的经济发展中占了很大比重。小微企业不仅是广西经济发展的主力军,而且还是促进广西就业的“吸纳器”。小微企业融资难问题严重制约着小微企业的发展,同时也成为了制约广西经济发展的主要瓶颈之一。目前,制约广西小微企业发展的最主要的原因就是融资渠道不畅通。而金融包容的发展,为缓解广西小微企业融资困难问题提供了新的思路和借鉴。本文通过对广西小微企业融资难内外部因素及常见融资渠道进行分析,明确提出基于金融包容视角下解决广西小微企业融资困境的创新型融资渠道。
Since the reform and opening up, Guangxi’s economy has been booming, while small and micro-enterprises have accounted for a large proportion of the economic development in Guangxi. Small and micro enterprises are not only the main force in the economic development of Guangxi, but also the “absorbers” for promoting employment in Guangxi. The problem of financing for small and micro enterprises severely restricts the development of small and micro enterprises, and has also become one of the major bottlenecks that restrict the economic development of Guangxi. At present, the main reason restricting the development of small and micro enterprises in Guangxi is that the financing channels are not smooth. The development of financial inclusion provides new ideas and lessons for alleviating the financing difficulties of small and micro enterprises in Guangxi. Based on the analysis of internal and external factors and common financing channels of Guangxi small and micro enterprise financing, this article clearly proposes innovative financing channels to solve the financing difficulties of small and micro enterprises in Guangxi from the perspective of financial inclusion.