小微企业融资与影子银行

小微企业融资难现象一直以来广受关注。其由于缺乏抵押物、财务不规范、管理不科学等问题,难以取得银行贷款。而日益发展起来的"影子银行",作为商业银行的有益补充,在一定程度上缓解了小微企业融资难问题。一些影子银行(如小额贷款公司和部分互联网金融)的融资方式与小微企业所具特点更为契合,从而有效拓展了小微企业的融资渠道,并为实体经济注入了新的力量。

Small and Micro Enterprises＇ Financing and Shadow Banking

The financing problem of small and micro enterprises has always been a great concern. Due to lack of collateral, financial irregularities, poor management and other problems, it is difficult for them to obtain bank loans. The emergence and development of ＂shadow banking＂ serving as a useful supplement to commercial banks ease the financing difficulties of small and micro enterprises to a certain extent. Parts of the shadow banking （such as micro-credit companies and some parts of the Internet finance） which are more suitable for small and micro enterprises financing effectively expand finan- cing channels for them and therefore inject new impetus into the real economy.