On The Research About The Function Of Government In The Small Micro Enterprise Bank Loan Risk To Guard Against Control

Along with the socialist market economy becoming gradually perfect,the economic subject will be more broad space for development,small and micro enterprises as one of the main bodies of the socialist market economy,to promote social and economic development,to relieve employment pressure,to active market economy,to improve people's livelihood,which is playing an increasingly important role.At the same time,the development of small micro enterprise is faced some difficulties.Small micro enterprise development face difficulties need government support,especially in the small micro enterprise bank loan risk prevention and control.Xiangtan city is the old industrial base in Hunan provence,facing the economic development of industrial upgrading,Xiangtan city is the construction of "two type society",the implementation of the national development strategy of "central rise",the development of small enterprises in the important opportunity of development.To strengthen bank loans to small micro enterprise risk prevention and control of the government action research is helpful to close the relationship between the government and small and micro enterprises;Enhance the capacity of small micro enterprise bank loan risk prevention and control;To speed up the process of our economic development.At present,the Xiangtan bank loan risk prevention and control of small micro enterprise: government control bank loans to small micro enterprise implementation does not reach the designated position,the government,bank loans to small micro enterprise lack of risk prevention and control regulation and excessive regulation coexist,the government,bank loans to small micro enterprise risk prevention and control of management lack of independence,the government,small and micro enterprises lack of bank loan risk control tools,need the government improve the small micro enterprise bank loan risk prevention and control of management.The government needs to from the following four aspects: to strengthen the prevention and control of small micro enterprise bank loan risk: one is to draw lessons from foreign governments for small micro enterprise bank loan risk prevention and control of advanced experience;Second is to attach importance to the government for the maintenance of small micro enterprise bank loans;Three is to strengthen the government bank loans to small micro enterprise audit efforts;Four is the government guide the small micro enterprise bank lending methods change.