On The Practical Research Of Inclusive Finance In The Government's Support Of Small And Micro Enterprises

The concept of small and micro enterprises was first proposed in 2011 by professor Lang Xian Ping,a well-known economist in China.It refers to the general name of small enterprises,micro-enterprises,home-based enterprises and other types of enterprises.Small and micro enterprises account for about 96%of the total number of enterprises in China.They create about 60%of jobs,50%tax and 40%of GDP,a place in employment and tax contribution and research and development innovation plays an irreplaceable role,is the important force for national economic and social development.But with small micro enterprise contribution to economy does not match is that they get financial service is less than 10%.Due to the unreasonable allocation of financial resources,China's small and micro enterprises are far from enjoying adequate financial services.Meanwhile,serious lack of capital and financing difficulties have greatly affected the development of small and micro enterprises.In order to reduce the burden of small and micro businesses and help them obtain more resources in financing,human resources and technological innovation,the invisible hand of the market plays a role,and the visible hand of the government also needs to participate in the support of small and micro businesses.In December 2015,the plan for promoting the development of inclusive finance(2016-2020)was released as a programmatic document for the improvement of inclusive finance in China during the 13th five-year plan period.In recent years,China has continuously introduced the inclusive financial policy to benefit small and medium-sized enterprises.Inclusive Finance focuses on serving the vulnerable groups,but in fact,it is still weak in providing services to the groups with real repayment ability.Although it has the name of inclusive finance,it has not realized the realization of financial inclusion.How to give full play to the effect of inclusive financial policies so that more small and micro enterprises can enjoy policy dividends is the significance of this study.In this paper,literature research and questionnaire statistical analysis are used to study the application and research of inclusive finance in small and micro enterprises supported by the government.According to the questionnaire survey and field survey of small and micro enterprises in Zhengzhou.Although the financing environment of small and micro enterprises has been improved in recent years,the financing problem still exists,and the degree of financial inclusion is not enough,and the root causes are analyzed.Some suggestions are put forward,such as giving play to the function of multi-channel financing,giving play to the main role of inclusive finance supply in the banking industry,and strengthening the construction of inclusive finance and financial infrastructure.It aims to help improve the financing environment for small and micro enterprises,improve the coverage of inclusive financial policies for small and micro enterprises,and has a positive impact and important significance on the further development and implementation of inclusive finance in Zhengzhou and the healthy development of small and medium-sized enterprises.