The Research Of Policy To Support Small And Micro Enterprise Financing

Small and micro enterprises as an important component of the national economy, with strong flexibility and adaptability to the market, on the one hand can effectively alleviate the problem of employment of the population, on the other hand effectively activate the market and enhance the diversity of market constituted. Therefore, strengthening support for small and micro enterprises, pay attention to the development of small and micro enterprises, to promote sustainable economic development has become the top priority in China. However, the problems encountered by small and micro enterprises in the development process, has attracted attention around the world, especially the financing problem, it has seriously hindered the development of small and micro enterprises in the world.This paper analyzes the status quo of China’s small micro-enterprise finance policy, and analyzes the causes of the multiple dimensions of small micro-enterprise financing difficult to form due to their own shortcomings by small and micro enterprises, financial institutions are not in place and policy system is imperfect and other influencing factors, small and micro enterprises have encountered a variety of problems in the financing process. On the basis of in-depth analysis of these factors, the paper also selected Lianjiang existing policies and the implementation of effects, from Lianjiang practice analysis, provide strong evidence for the reality to further improve the existing policies. Through research, this paper from the government to build and market a hybrid funding model to solve the problem of financing small and micro enterprises, and learn from the advanced experience at home and abroad based on the parties, propose appropriate policy options to further clarify the small micro-enterprise financing to solve difficult on the issue of government should be.