伴随着民间金融日益成为促进小微企业发展的重要融资来源,浙江温州地区的民间融资模式一度被全国各地广泛热议,国务院更是将其作为民间“金改”的试验田。青岛市作为山东省区域金融中心正处于经济转型和产业升级的攻坚期。多数小微企业在成长初期都遭遇过“有项目、无资金”的困难,而金融机构也常面临“有资金、无项目”的窘境。针对上述情况,民间融资一方面可以汲取并利用温州标会融资模式的优点,另一方面要结合青岛自身发展特点,逐步落实民间资本阳光化的制度安排,实现小微企业包容、可持续的平衡健康发展。 Along with the fact that private finance is increasingly becoming an important source of financing for the development of small and micro enterprises, the pattern of private financing in Wenzhou, Zhejiang Province was once widely heated around the country. The State Council even considered it as a pilot field for private investment. As a regional financial center in Shandong Province, Qingdao is in a crucial period of economic restructuring and industrial upgrading. Most small and micro enterprises have encountered the difficulties of “having projects and no funds” in the early stages of their growth, and financial institutions often face the dilemma of “having funds and no projects”. In view of the above, private financing can draw on and take advantage of the financing model of Wenzhou bidding on the one hand, and on the other hand, integrate institutionalized sunshine of private capital in light of its own development characteristics so as to achieve an inclusive and sustainable balance of small and micro enterprises healthy growth.