创业金融政策多样化与碎片化研究

摘要

New trend of entrepreneurship financing policy is emerging .There is more diversity on the policy , which is promoted by the government .On the other hand , the conflicts in the policy system are more serious , and the fragmenta-tion of policy system is a distinct character .This situation twists the standard of the entrepreneurship culture , also leads to the inefficiency of resources .The diversity of entrepreneurship financing policy roots in the social diversification and the financing multilevel demand .The fragmentation is from the conflict between demand diversity and singular supply pattern , and the direct causes of conflict is financial products supply based on commercial bank cannot meet the diversi -fied market demand , and the deeper reason is from the definition deviation of policy problems .%目前，创业金融政策的发展呈现出新的态势：一方面政府参与创业金融的活动日益积极，相关政策越来越多样化；另一方面，各种政策之间的不协调性更加突出，政策体系结构碎片化特征日益明显。这种局面不仅造成创业资源的浪费，而且扭曲和伤害了创业文化价值的根基。创业金融政策多样性源自社会多元化的发展趋势与金融多元化客观需求，碎片化则是多样性与单一性相冲突的具体表现。造成冲突的直接原因是以商业银行为主导的金融产品供给难以满足多元化市场的需求，而更深层的原因来自对政策问题界定的偏差。