Research Of Small Micro Enterprise Financial Architecture Problems Under The Urbanization Strategy

The18th Party report suggests that urbanization is the direction of futuredevelopment in China. Urbanization is an important symbol of the national andregional economic, social development. Our country is promoting urbanizationconstruction actively and steadily, striving to improve the quality of urbanization.The effect of urbanization is expanding domestic demand, realizing the structuretransformation, promoting economic growth, etc. Urbanization developmentneeds the labor’s industry transfer to promote the development of the secondand third industries in cities and towns. As the carrying out of the main carrierof the agricultural population small micro enterprise plays an important role inthe process of compound type urbanization development. From the experience ofthe world, small micro enterprise is the main channel to solve the employment.It’s important and significant to develop small micro enterprises.Small micro enterprise has a special important position in our country. Itplays an important role in increasing employment and active market, improvingpeople’s livelihood, promoting economic structure adjustment. At present thedifficulty of small micro enterprise financing is the key factor in restricting thedevelopment of small micro enterprise. The statistics show that under thecurrent financial system small micro enterprise is difficult to obtain funds. Smallmicro enterprises in financing is marginalized obviously.This article is mainly starting from small micro enterprise architecturesystem and the development, through the quantitative analysis methods toanalyze small micro financial structure, market coverage and the directfinancing and indirect financing channels. Combine with the urbanizationdevelopment and small micro enterprises financing situation the article putforward some policy suggestions in four aspects: raising their own ability, theconstruction of financing system, the government’s policy support, buildfavorable financing environment. For different characteristics small microenterprise groups, through the analysis of the causes of small micro enterprisefinancing obstacles give the technology path to solve the problem of small microenterprise financing and realize the goal of improving the efficiency of smallmicro enterprise financing.