Research On Our Country’s Small And Micro-enterprises’ Financing Supporting From The Aspect Of Binary Finance’s Harmonious Development

The small and micro-enterprises play a very important role in boosting thedevelopment of economics and society, promoting social justice and equity, andmaintaining social stability as the most basic and active group in our economy. Whilecompared with the large and middle-enterprises, they are in the dry tree whenfinancing. They are very difficult to get the money. Difficulty in financing,guaranteeing and loaning is always the obstacle, hindering our country’s small andmicro-enterprises’ development. In recent years, the authorities were gradually payingmuch attention to optimizing the financing environment of the small andmicro-enterprises, made great efforts to improve their financing condition, the statecouncil enacted a series of laws and the policy of finance and tax one after the other,our country’s financial condition is improved to some extent. But this problem is notsolved thoroughly now, Macmillan Gap is still existing. Sticking at studying anddiscussing the problem of small and micro-enterprises financing is the expectation ofsociety and the need for solving prominent contradictions in the development of oursociety.In terms of the present financial system, on the one hand, commercial financestill occupies the leading position, while they have discrimination of forms ofownership and scale against small and micro-enterprises in financing. Beforeeverything they should change their idea, optimize and innovate in their business. Onthe other hand, the system of the small and micro-enterprises policy-based financewhich especially aims at serving for the important but vulnerable groups is not soundyet, it is necessary to invest more under the laws.Given this, on the base of the questionnaire about the small andmicro-enterprises’ financing status in Henan Province, the article selects Probit modelto analyze the acts which influence the small and micro-enterprises’ financing,compares the practices of commercial finance and policy-based finance with othercountries when supporting the small and micro-enterprises financing and learns theenlightenment, and puts forward a serious of new and operable methods and policysuggestions in far improving or rebuilding the small and micro-enterprises’ financial system and its operation mode from the aspect of commercial finance andpolicy-based finance’s harmonious development.