基于供应链融资的政策性金融与商业金融协同机制研究——以科技型小微企业为例 Research on Policy Finance and Commercial Finance Coordination Mechanism Based on Supply Chain Financing—Taking Science and Technology Small and Micro
目前科技型小微企业供应链融资模式的创新，在一定程度上缓解了企业融资难、融资成本高等问题，但因科技型小微企业存在的风险较大，商业性金融机构“惜贷”现象普遍存在，仍需通过政策性金融对商业金融以及供应链核心企业的补偿来引导商业金融进行[1]。因此，需要设计一套合理的商业性金融与政策性金融协同机制。本文基于供应链金融原理，引入政策性金融机构，设计一套完整的供应链融资机制，尝试解决科技型小微企业融资问题。
At present, the innovation of the supply chain financing mode of small and medium-sized enter-prises in science and technology has alleviated the problems of financing difficulties and high fi-nancing costs to a certain extent. However, due to the high risks of small and medium-sized enter-prises, commercial financial institutions are reluctant to lend. The phenomenon is widespread, and it is still necessary to guide commercial finance through policy finance to compensate commercial finance and supply chain core enterprises. Therefore, it is necessary to design a reasonable commercial financial and policy financial coordination mechanism. Based on the principle of supply chain finance, this paper introduces policy financial institutions, designs a complete supply chain financing mechanism, and tries to solve the financing problem of small and micro enterprises.
