Multi-level Financial Service System Of Small And Micro Enterprise Discussion

Small and micro enterprises as an important component of thenational economy play a decisive strategic role in promoting socialeconomic development stability and sustainable. For the currentmacroeconomic situation, small and micro enterprise financing hasbecome a global problem, the dilemma of small and micro enterprisesfinancing will profoundly affect the enterprises healthy and development.With the world economy enter a slow growth, surplus labor is no longersufficient, the demographic dividend tends to disappear and a worldwidetrend of energy saving, China’s small and micro enterprises will continueto face many severe shocks and challenges in the next10years. In thisdifficult environment, the key topics which needed to solve is howaccording to the national policies, combing all aspects of small andmicro enterprise financing, to rebuild financial services system targetedimprove small and micro enterprises financing conditions.The paper reveals the great significance of small and microenterprises financing problems solving for the overall economy, use oflarge amounts of data to show China’s small and micro enterprisesoperating conditions, in order to fully understand its problems and causesin financing, analyze and evaluate the current small and micro enterprisefinancing model in China.The paper compare the small and micro enterprises and financialservice system two aspects, to analyze the underlying causes why not thetwo parties be seamless connection, from several aspects, such asfinancing needs, information, risk analysis system and the lack offinancial services.According to China’s relevant policies to build multi-level financialservice system for small and micro enterprises, and supplemented by thecorresponding multi-level credit evaluation and decision-making system,which can avoid the associated financing risks.Finally, the paper makes specific demands on policy environmentfor small and micro enterprises’ multi-level financial service system,requires relevant national policies and legal support, in order to ensurethe financial services system functioning effectively.