政策性银行缓解中小微文旅企业融资约束对策研究

Research on Policy Banks to Alleviate Financing Constraints of Medium, Small-Sized and Micro-Cultural Tourism Enterprises

摘要: 在文旅融合、全民旅游、全域旅游的趋势下，中小微文旅企业在促进经济发展，满足人民精神需求方面发挥着重要作用。但是大多中小微文旅企业由于难以提供足质的抵押资产，经营活动容易受到不可控因素的干扰等，往往面临着严重的融资约束。政策性银行是我国银行体系的重要组成部分，发挥着拾遗补缺的政策性导向功能。本文通过对政策性银行和中小微文旅企业的融资约束状况进行论述，分析政策性银行在缓解中小微文旅企业融资困境中的作用，并提出政策性银行缓解中小微文旅企业融资约束的建议，以期帮助中小微文旅企业更好地获得政策性资金支持，缓解融资约束。

Abstract: In the context of cultural tourism integration, national tourism and global tourism, medium, small-sized and micro-cultural tourism enterprises play a vital role in promoting economic development and meeting people’s spiritual needs. However, most of them are difficult to provide adequate mortgage assets, and their business activities are easily disturbed by uncontrollable factors, often facing serious financing constraints. Policy banks are an important part of China’s banking system and play a policy-oriented function of picking up and making up deficiencies. This paper discusses the policy banks and the financing constraints of medium and small-sized micro-cultural tourism enterprises, analyzes the role of policy banks in relieving the financing difficulties of medium and small-sized micro-cultural tourism enterprises, and puts forward some suggestions for policy banks to relieve the financing constraints of medium and small-sized micro-cultural tourism enterprises, in order to help them obtain policy financial support better and alleviate the financing constraints.