Research On The Small And Micro Business Regulating Problems In Xiang Yang

In recent years,China's economic development has entered the stage of transformation and adjustment.The transformation of macro-economy has brought great challenges to the development of micro-enterprises.On the one hand,the development of small and micro enterprises is faced with transformation and upgrading.On the other hand,enterprises need capital support.In order to alleviate the financing problems of small and micro enterprises,support the healthy development of small and micro enterprises,and promote the banking industry to continuously improve the level of financial services for small and micro enterprises,the Banking Regulatory Commission has issued a series of regulatory policies to guide banks to increase credit delivery.Innovating Financial Service,standardizing Service charge,reducing financing cost and raising Small and micro-enterprise financing rate and satisfaction.What are the results of the implementation of the local financial services regulatory policy for small and micro enterprises?What problems do small and micro enterprises face in the implementation of financial services regulatory policies?How to strengthen and perfect the financial service supervision policy of small and micro enterprises?This paper analyzes the background and significance of the selected topics,summarizes the current research situation at home and abroad,and defines the related concepts,such as small and micro enterprises,financial service supervision policy of small and micro enterprises,and so on.On the basis of market failure theory and new public management theory,combined with investigation and research data and supervision practice,this paper analyzes the current situation of financial service and supervision policy implementation of small and micro enterprises in Xiang Yang city,and makes an analysis of the effectiveness and deficiency of the implementation of supervision policy.In summary,the research believes that through the guidance of the supervision policy of financial services of small and micro enterprises,Xiang Yang small and micro enterprises' financial service credit,service system and related services charges have achieved obvious results,but there are higher costs and insufficient supply.Structural imbalance,etc.These problems are closely related to the asymmetric effects of macroeconomic policies,the contradiction of the sustainability of the financial services of small and micro enterprises in commercial banks and the lack or lag of supporting institutions.Therefore,in order to improve the effectiveness of supervision of financial services in small and micro enterprises,it is suggested to start from the following three aspects:Firstly,it is to establish a differentiated regulatory system.Secondly,it is to improve the credit service system of small and micro enterprises.Thirdly,the government should optimize the environmental support system.