【摘要】 "贷款难"和"贷款贵"一直是制约小微企业发展的难点问题。为解决小微企业融资难问题,各地政府推出了一系列解决办法和政策,但多数过于行政化,政府的扶持力度与市场需求相距甚远。赣州市政银企合作推出"小微信贷通",让小微企业"简单、方便、低成本"获得银行融资,实现了化解小微企业融资"难"、融资"贵"的有效创新。更多还原

【Abstract】 The difficulty and expense to apply for a loan is always a difficult problem that constrains the development of small and micro business. To counteract these problem,local governments introduced a series of solutions and policies,nevertheless,most of those policies are formalism and the market demand is much bigger than the finance support. Consequently,the government- bank- enterprise cooperation in Ganzhou created the"Micro Credit Product"which not only helped the small and micro business to obtain the bank finance in a simple,convenient and low- cost way,but also solved the problem of the financing difficulty and great expense effectively and creatively.更多还原