小微文化企业金融服务协同创新模式研究

解决小微企业融资困境，关键在于金融服务的创新；而小微文化企业存在双重融资缺陷，其金融服务不仅需要金融机构的创新，还需要外部政策和担保机构的创新支持。为解决小微文化企业的融资困境，应将小微文化企业与金融机构之间的线性服务创新关系，“放大”到企业、金融机构、政府、信用担保机构之间的协同创新，并在此基础上构建小微文化企业金融服务协同创新模式。

Research of Financial Collaborative Innovation Model of Culture-based Small and Micro Enterprises

In order to solve financing difficulties of small and micro enterprises, the key lies in financial services innovation. After analyzing the financial plight of culture-based small and micro enterprises, we can find double financing defects of culture-based small and micro enterprises. Its financial services innovation requires not only the innovation of financial institutions, but also the need for external policy and innovation support of insurance institutions. For the purpose of solving the financing difficulties, the linear service innovation relationship between culture-based small and micro enterprises and financia institutions should be enlarged to collaborative innovation in enterprises, financia institutions, government, credit insurance institutions.