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小微企业融资难与贵是多因素形成的综合结果。然而小微企业难融资、商业银行难贷款确是不辩的事实,因而对商业银行不支持小微企业发展责难之声时常响起。这种责难对商业银行是不公平的,其原因是,市场经济条件下,商业银行和小微企业实际上是两个经济组织,均有独自的法人地位和经营自主权,本来两者完全可以通过市场原则来解决,但问题是中国的小微企业具有很强的非市场性质,即政策性,显然用商业性原则去解决兼有市场和非市场特征的小微企业融资问题必然没有好的结果,因此,分清小微企业的性质是关键,在这一基础上设计出的融资模式才是解决小微企业融资渠道的可持续模式。
Small and micro enterprise financing is difficult and expensive is a comprehensive result of many factors. However, it is difficult for small and micro-enterprises to finance and commercial loans are difficult to argue. Therefore, the sound of censure on commercial banks that do not support the development of small and micro enterprises often rang. This censure is not fair to commercial banks. The reason for this is that under the conditions of a market economy, commercial banks and small and micro enterprises are actually two economic organizations, each having its own legal person status and operating autonomy. But the problem is that China’s small and micro-enterprises have a strong non-market nature, namely, policy-oriented. Obviously, the commercial problem of solving the financing problems of small and micro enterprises that have both market and non-market characteristics is not necessarily good As a result, therefore, it is crucial to distinguish the nature of small and micro-enterprises. The financing model designed on this basis is the sustainable model for solving the financing channels for small and micro enterprises.