王森 林德发

【摘  要】新冠疫情对我国经济造成了极大冲击，其中由于小微企业抗风险能力较弱，受到的冲击更为明显。农村商业银行作为小微企业融资的主要推行者，其为中国的小微企业融资的繁荣作出了重要贡献，但是农村商业银行资金实力较弱、业务研发能力不足、管理经验缺乏等原因，一方面导致小微企业融资的开展深度不足，另一方面也使得农商行近几年的发展陷入停滞。论文对新冠疫情对小微企业及农商行的影响、农商行支持小微企业融资的困境和优势3方面进行分析，并提出相应的对策。

【Abstract】The COVID-19 epidemic has had a great impact on China's economy， and the impact on small and micro enterprises has been more pronounced due to their weak risk resistance. As the main promoter of small and micro enterprises' financing， rural commercial banks have made important contributions to the prosperity of small and micro enterprises' financing in China. However， due to the weak capital strength， insufficient business development capability and lack of management experience of rural commercial banks， the development of small and micro enterprises' financing is not deep enough on one hand， and the development of rural commercial banks has been stagnant in recent years on the other hand. This paper analyzes the impact of COVID-19 on small and micro enterprises， the difficulties and advantages of rural commercial bank in supporting small and micro enterprises' financing， and proposes corresponding countermeasures.

【关键词】新冠疫情;农村商业银行;小微企业;融资问题

【Keywords】COVID-19 epidemic; rural commercial bank; small and micro enterprises; financing problem

【中圖分类号】F832.4;F276.3                                             【文献标志码】A                                                 【文章编号】1673-1069（2021）10-0100-03

1 引言

新冠疫情对我国的经济冲击是全方面的，导致2020年第一季度GDP同比下降6.8%，同时国家统计局调查全国城镇调查失业率达到了5.9%。随着我国经济中抗风险能力较差、吸纳就业能力较强的小微企业在疫情冲击下陷入倒闭潮，必然会增大我国的就业压力，进而为我国疫情后的经济复苏蒙上阴影。

小微企业是经济活力的重要源泉，其在推动经济增长、促进就业增加、活跃市场竞争、激发创新活力等方面具有重要作用。然而在新冠疫情冲击下，我国经济长期积累的风险隐患有所暴露，小微企业经营难、融资难问题有所加剧，这为我国经济在新冠疫情后的复苏蒙上了一层阴影。小微企业在为我国经济活力的提升和就业的保障方面具有重……