Studies On The Influence Of Small And Micro Enterprises Financing By Monetary Policy Adjustment In China

Small micro enterprises including small, miniature enterprise, cottage industry enterprises and individual businesses, is an important part of our national economy, the country’s economic contribution to the development of the irreplaceable strength. For a long time, countries attach great importance to the growth and development of small micro enterprise, took a series of measures to alleviate the financing difficulties of small micro enterprises. Due to the complex economic situation at home and abroad, as well as the small micro enterprise mode of operation and the financial system has defects, need to meet to meet the bank loan credit rating, enterprise scale, technology strength, etc., make the small micro enterprise financing difficult problem still there.When nations to tighten bank lending to reduce, small micro enterprise become a subject of a run on the first, the financing difficulties. Get bank loans, small micro enterprise financing through other ways, even pay higher interest rates for short-term funds such as folk lending, financing cost is expensive. But countries adopt looser monetary policy easing, small micro enterprise financing does not necessarily more easily. So, the adjustment of monetary policy change and the presence of correlation between small micro enterprise financing, its mechanism of action, we need to further explore.First of this research is to small micro enterprise connotation and scope, the connotations and the transmission mechanism of monetary policy, etc, on the basis of defining the concept, analyzed our country in recent years, the change of the monetary policy adjustment and the small micro enterprise financing present situation, elaborated our country monetary policy adjustment changes affect small micro enterprise financing theory foundation.Then, through analyzing the characteristics of the small micro enterprise financing and demand, combined with our country socialist market economy since the reform of the adjustment of monetary policy changes, study its correlation with small micro enterprise financing, and the adjustment of monetary policy in China changes the reason of the change of the small micro enterprise financing. Finally, the paper puts forward the concrete measures of optimization of China’s monetary policy transmission mechanism, to ease the small micro enterprise financing constraints, promote the healthy development of small enterprises.