【摘要】 金融机构与小微企业之间的信息不对称及小微企业自身特点决定了融资难、融资贵问题已成为制约当前小微企业生存和发展的枷锁。本文基于台州市小微企业融资及改革创新实践进行调研的基础上,从金融服务信用信息共享模式的融合及信用保证基金担保模式重构视角,分析了"台州模式"在缓解金融机构与小微企业之间信息不对称,以及破解小微企业融资难、融资贵方面的特色与成效,并进一步从如何确保金融服务信用信息获取的及时性与平台运行的可持续性及其风险防范,以及信用保证基金增长的可持续性和防范金融机构道德风险方面提出了进一步的思考。研究认为这需要政府与金融机构做好协调与合作,共同推进"台州模式"在支持小微企业发展上作出更积极的贡献,同时为其他地方解决小微企业融资难、融资贵问题提供借鉴。更多还原

【Abstract】 Asymmetric information and their own characteristics of SME determines the financing difficulties, which has restricted the survival and development of them. This thesis based on the research of SME in Taizhou financing and innovation practice, from the perspective of financial services to integrated credit information sharing and Credit Guarantee Fund Guarantee mode Reconstruction, analysis of the "Taizhou mode" ease the financial institutions and small micro-asymmetric information between enterprises, and SME financing cracks, and suggest how to ensure timely platform for the financial services and credit information obtained run sustainability and risk prevention, as well as credit sustainability and prevent financial institutions moral risk guarantee fund growth made further thought. This study suggests that the government and financial institutions require good coordination and cooperation to jointly promote the "Taizhou mode" to make a more positive contribution in support of SME development, while addressing the financing difficulties of SME as elsewhere, provide some financing expensive reference.更多还原