201805金融论苑3.pdfVIP

金金融融论论苑苑FFiinnaannccee FFoorruumm 小企业民间融资现状 风险与路径 选择 阴邹雄智 [摘 要] 小企业作为我国市场经济的一个重要主体 对推动经济发展和社会进步都有着重大影响遥由于正规金融体系无法满 足 小企业对资金的需求 因此 民间融资以其便捷尧高效尧灵活等自身优势深受 小企业青睐遥 当前, 小企业民间融 资面临法律制度缺失尧短期化民间融资隐含资金链断裂尧民间融资高利息尧 小企业自身经营水平低等带来的风 遥而 相关制度存在着滞后性 已不能很好地规制和保护 小企业民间融资行为遥 本文基于 小企业民间融资的现状及风 提出完善 小企业民间融资制度尧建构 小企业多层次的金融市场体系尧完善 小企业社会服务体系尧建立 小企 业民间融资风 预警制度及加强 小企业自身建设等建议 旨在为金融理论界提供借鉴遥 [关键词] 小企业曰 民间融资曰 路径探析 [中图分类号] F276.3 [文献标识码] A [文章编号] 1006-5024(2018)05-0188-05 [DOI] 10.13529/j .cnki.enterprise.economy.2018.05.025 [基金项目] 江西省社会科学野十三五冶渊2017冤规划项目野民间融资风 防范研究冶渊项目编号院17YJ 25冤 [作者简介] 邹雄智 江西科技学院理科部副教授 研究方向为数量经济遥 渊江西 南昌330098冤 Abstract: As an important body of Chinas market economy, small and medium-sized enterprises (SMEs) have a significant impact on promoting economic development and social progress. Since formal financial system cannot meet the financing demands of SMEs, informal financing is favored for its convenience, efficiency and flexibility. Currently, informal financing of SMEs is facing risks such as lack of regulations, capital chain rupture because of the short-term lending, high interest rate, and in sufficient capabilities of repaying debt through daily operation. Lagging regulation can no longer monitor informal financing and protect interests of different parties in the financing activities. Based on the status quo and risks of informal financing for SMEs, the article discusses different viable paths including reinforcing regulatory systems, building a multi -level fi nancing market for SMEs, improving the social service system for SMEs, establishing an alert system for informal finance risks and strengthening the debt repayment capabilities of SMEs. Keywords: small and medium-sized enterprises; informal f