Study On Small And Micro Businesses Financing Difficulties And Countermeasures Of Hebei Province

Small and micro businesses are important part of economy and they are greatlypromoting the economic development of china. Small and micro businesses with smallattitude plays a big role identity both in employment social stability and technologicalinnovation, However, due to the serious financing problems of small and micro businesses,seriously hindered the development of Small and micro businesses, the economic effect andthe social effect Small and micro businesses under great threat. To solve the financingproblem of Small and micro businesses and have Small and micro businesses continued toplay a powerful role, which is not only the focus of the work of the government, but alsofocused on by the social. Since the18th Party Congress was first put forward the "supportSmall and micro businesses especially the technology Small and micro businessesdevelopment" requirements, the report of the government work also stressed that "to guidefinancial institutions to increase the small micro enterprise financial support” in2013. Thethird plenary session of eighteen central committee proposed to further increase the small andmicro businesses financial support. In2014, the government work report for the first time theInternet financial report to the work of the government, which means the era of internetfinancial financing is coming soon.Special geographical location makes Hebei Province plays an important role in thecountry’s political and economic strategic position. However, the financing problem alsoexists in Hebei Province, and seriously affected the development of small and microbusinesses, sometimes even endanger the life of enterprise. How to make small and microbusinesses financing needs to obtain funds to meet the demand, has become the focus ofattention of the community. Therefore, facing up with financing difficult problems, numbersof supporting and encouraging are giving out by government agencies while other socialorganizations have to give advice and suggestions. Facing the complex economic and socialenvironment, the limited policy to encourage and support does not solve the financingdifficult problem fundamentally. Based on this, the paper from Hebei province is small microenterprise financing present situation and problems of starting, attempts from the multiple perspectives, the problems are discussed and some innovative solutions in the multi rangebroaden thinking.The paper begins with the review of the financing background, research meaning andpurpose, and then the basic theory of enterprise financing are briefly described. Thensummarized the Asian countries concerned about Small and micro businesses financingexperience, according to small micro enterprise in Hebei Province, analysis of investigation,summarized the Hebei province small and micro businesses financing status, causes offinancing problem are analysis from both aspects of internal and external, combined with thecharacteristics of Hebei province small and micro businesses, puts forward the innovationideas to solve the Hebei province small and micro businesses financing predicament. Smalland micro businesses should increase enterprise interior modulation, to improve their ownquality, and a good foundation for enterprise financing will be worked. Financial servicesinstitutions should strengthen the innovation of financial services, introduce different kinds offinancial products, and support should be increased to the small and micro businesses. Thegovernment should continue to play its dominant position to provide a good financialenvironment for the Small and micro businesses.The suggestions of improving the financing environment and solving the problem offinancing problems are followed as: One is Small and micro businesses to practice the internalstrength and improve their own quality. Two is the government and financial institutions towork together to build a sound financial system. To solve the financing problem of Small andmicro businesses work together, let small and micro businesses play an important role innational economy, promote the sustainable prosperity and development of Chinese economy.