【摘要】 《2019·径山报告》提出了设立独立的政策性银行支持小微企业融资的设想,这为小微企业"融资难融资贵"问题的解决提供了新思路。新型融资支持机制是在总结现有融资支持格局下各主体的困境、结合政策性银行与商业银行各自优势的基础上而设计,主要思路为:通过设立独立的政策性银行,以转贷款的方式与商业银行合作,并与担保银行、保险公司进行联动,从而建立"市场主导、政策辅导"的新型小微企业融资支持机制。更多还原

【Abstract】 The idea of setting up an independent policy bank to finance small and micro businesses(SMB) has been proposed in "Jingshan Report of 2019", providing a new solution to the difficulty and high cost that SMB are faced in finance. The new financing support mechanism is designed considering all the participants’ dilemma in the present context of financing support and the respective advantages of policy banks and commercial banks. The general idea is to set up an independent policy bank to cooperate with commercial banks by granting loans in the form of "sub-loan" to small and micro businesses, coordinating with guaranty banks and insurance companies so that a new mechanism is built with market orientation and policy support.更多还原