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小微企业融资难是一个世界性的经济难题。基于小微企业自身特点和融资需求去探究帮助小微企业走出融资困境的方法尤为重要,而保理业务作为一种综合性金融服务,对资金流动性较大且需求比较灵活的国内小微企业尤其值得尝试和推广。本课题组以江苏昆山地区为例,调查保理业务在推广过程中改善小微企业融资难问题的实际效果,并结合国内保理业务发展现状及现有的政策法规条件对保理业务在未来小微企业融资过程中发挥更为充分的作用提出建议。
Small and micro enterprise financing is a worldwide economic problem. Based on their own characteristics and financing needs of small and micro enterprises to explore ways to help small and micro enterprises out of financing difficulties is particularly important, and factoring business as a comprehensive financial services for large liquidity and more flexible needs of domestic small and micro enterprises In particular it is worth trying and promoting. Taking Kunshan in Jiangsu Province as an example, the research team investigated the actual effect of factoring business in improving the financing difficulty of small and micro enterprises in the promotion process. Combined with the development status of domestic factoring business and the existing policies and regulations, Small and micro enterprise financing process to play a more full role in making recommendations.