1月7日，國(guo)務(wu)院(yuan)金(jin)融(rong)穩定(ding)發展委員會(hui)(hui)（以(yi)下簡稱(cheng)金(jin)融(rong)委）召(zhao)開第(di)十(shi)四次(ci)會(hui)(hui)議，研究緩解中小企業融(rong)資難融(rong)資貴(gui)問題，部署相關工作(zuo)。值得注意的是(shi)，這已經是(shi)近一個月以(yi)來，國(guo)務(wu)院(yuan)相關會(hui)(hui)議第(di)三次(ci)提(ti)及(ji)中小企業融(rong)資話題。

會議指出，中小企業是建設現(xian)代化經濟體(ti)系、推動經濟實(shi)(shi)現(xian)高質量發展的(de)重(zhong)要(yao)基礎(chu)，在支(zhi)(zhi)撐(cheng)就(jiu)業、穩定增長、改善民生(sheng)等(deng)方面發揮著重(zhong)要(yao)作(zuo)用。要(yao)堅(jian)持“兩個毫不動搖”，充(chong)分認識金融支(zhi)(zhi)持中小企業發展的(de)重(zhong)要(yao)性，持續(xu)加大支(zhi)(zhi)持力度，切實(shi)(shi)緩解融資(zi)難(nan)融資(zi)貴問題。

會議要(yao)求(qiu)，盡(jin)快研究出臺進一步緩解中(zhong)(zhong)小(xiao)企(qi)(qi)業融(rong)(rong)(rong)(rong)(rong)資(zi)難融(rong)(rong)(rong)(rong)(rong)資(zi)貴的相關舉措(cuo)。要(yao)圍繞(rao)疏通貨(huo)幣政(zheng)策傳導(dao)機(ji)制，綜合運用(yong)多種貨(huo)幣信貸政(zheng)策工具(ju)，實(shi)(shi)行差異化監管安排，完善(shan)考(kao)核評(ping)價機(ji)制，對金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構履行好中(zhong)(zhong)小(xiao)企(qi)(qi)業金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服務(wu)主體(ti)責(ze)任(ren)形成有效激勵。要(yao)深化金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)供給側結構性改(gai)革，健全具(ju)有高(gao)度(du)適應性、競爭力(li)、普惠性的現代金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)體(ti)系。要(yao)多渠道補充中(zhong)(zhong)小(xiao)銀(yin)行資(zi)本(ben)金(jin)(jin)，促(cu)進提高(gao)對中(zhong)(zhong)小(xiao)企(qi)(qi)業信貸投(tou)放能力(li)。要(yao)繼續完善(shan)政(zheng)府性融(rong)(rong)(rong)(rong)(rong)資(zi)擔保體(ti)系，加快涉企(qi)(qi)信用(yong)信息平臺建設，拓(tuo)寬優質中(zhong)(zhong)小(xiao)企(qi)(qi)業直接(jie)融(rong)(rong)(rong)(rong)(rong)資(zi)渠道，切實(shi)(shi)緩解中(zhong)(zhong)小(xiao)企(qi)(qi)業融(rong)(rong)(rong)(rong)(rong)資(zi)面臨的實(shi)(shi)際問(wen)題。

從2019年(nian)底到2020年(nian)初，多個重要會議聚焦中小(xiao)企業(ye)(ye)(ye)，尤(you)其(qi)是中小(xiao)企業(ye)(ye)(ye)融(rong)(rong)(rong)資(zi)問題(ti)(ti)。2019年(nian)12月13日(ri)召開(kai)的國務院促進中小(xiao)企業(ye)(ye)(ye)發(fa)展(zhan)工作(zuo)領導(dao)小(xiao)組第四次(ci)會議提出，要創(chuang)新中小(xiao)企業(ye)(ye)(ye)金融(rong)(rong)(rong)服務考核激勵機制，完善中小(xiao)企業(ye)(ye)(ye)融(rong)(rong)(rong)資(zi)擔保體(ti)系，加快推進中小(xiao)企業(ye)(ye)(ye)信用(yong)信息平(ping)臺建設(she)，鼓勵科(ke)技型中小(xiao)企業(ye)(ye)(ye)上市(shi)融(rong)(rong)(rong)資(zi)，切實解(jie)決融(rong)(rong)(rong)資(zi)難(nan)、融(rong)(rong)(rong)資(zi)貴問題(ti)(ti)。2020年(nian)1月3日(ri)召開(kai)的國常(chang)會再次(ci)提出，引(yin)導(dao)金融(rong)(rong)(rong)機構(gou)創(chuang)新方式，緩(huan)解(jie)中小(xiao)企業(ye)(ye)(ye)融(rong)(rong)(rong)資(zi)難(nan)融(rong)(rong)(rong)資(zi)貴。

中(zhong)國民生(sheng)銀行首(shou)席研究員(yuan)溫彬(bin)表(biao)示，量多面廣的(de)(de)中(zhong)小(xiao)(xiao)(xiao)企業(ye)(ye)，廣泛(fan)分(fen)布在(zai)各(ge)領域、各(ge)行業(ye)(ye)、各(ge)地(di)區，歷來是促進(jin)經濟(ji)增(zeng)(zeng)長(chang)、增(zeng)(zeng)加(jia)社會就業(ye)(ye)、提高財政(zheng)(zheng)收入、改善民生(sheng)福祉的(de)(de)主力軍(jun)。他表(biao)示，對金(jin)融(rong)領域而言，包括差異(yi)化的(de)(de)貨幣(bi)信貸(dai)政(zheng)(zheng)策(ce)(ce)、監管(guan)政(zheng)(zheng)策(ce)(ce)、考(kao)核激(ji)勵政(zheng)(zheng)策(ce)(ce)、資本補充(chong)政(zheng)(zheng)策(ce)(ce)等，有望給服務(wu)中(zhong)小(xiao)(xiao)(xiao)企業(ye)(ye)的(de)(de)金(jin)融(rong)機構營造一(yi)個愿貸(dai)、敢貸(dai)、能貸(dai)的(de)(de)良(liang)好政(zheng)(zheng)策(ce)(ce)環境，從根本上緩解中(zhong)小(xiao)(xiao)(xiao)企業(ye)(ye)融(rong)資難融(rong)資貴問題，在(zai)穩(wen)增(zeng)(zeng)長(chang)和高質量發(fa)展過程中(zhong)，充(chong)分(fen)激(ji)發(fa)中(zhong)小(xiao)(xiao)(xiao)企業(ye)(ye)活(huo)力。

溫彬表示，近期(qi)有可(ke)能出臺實施一系列針對中(zhong)小(xiao)(xiao)企(qi)業(ye)融資的(de)激勵約束相容的(de)貨幣政(zheng)策和監管政(zheng)策，比(bi)如央行可(ke)能實施定向降準，并對中(zhong)小(xiao)(xiao)企(qi)業(ye)貸(dai)(dai)款(kuan)增速、占比(bi)提出量(liang)(liang)化要求；在宏觀審慎(shen)監管中(zhong)增加中(zhong)小(xiao)(xiao)企(qi)業(ye)貸(dai)(dai)款(kuan)指標；在金融機構(gou)考核(he)評價、現(xian)場檢查中(zhong)納入中(zhong)小(xiao)(xiao)企(qi)業(ye)融資的(de)數(shu)量(liang)(liang)、價格、期(qi)限等(deng)內容。