Research On The Optimization Of Public Policies To Alleviate The Financing Difficulties Of Small And Medium-sized Enterprises

Small and medium-sized enterprises as an important part of China's economic structure,their promotion of employment,tax increase,fiscal revenue,economic growth and other aspects can not be ignored.Small and medium sized enterprises have great influence on promoting China's economic and social development.Therefore,the healthy development of small and medium-sized enterprises is essential.With the reform of state-owned enterprises and the acceleration of the process of urbanization in rural areas,the employment pressure in China has become the focus of social attention.Small and medium-sized enterprises have played an important role in solving the problem of labor employment.Small and medium-sized enterprises,due to their small scale,are more responsive to the market than large enterprises,meanwhile,diversified and personalized market demand requires the vigorous development of them.Small and medium-sized enterprises can not develop without the support of funds.Recently,the development of small and medium sized enterprises encounters the bottleneck of financing.Affected by operating conditions,asset shortage and so on,small and medium enterprises have difficulty in obtaining bank loans.Single financing method has been difficult to meet the development needs of small and medium-sized enterprises.Serving as a provider of public services,government agencies play a certain role in promoting economic development.At present,China is in a critical period of economic transformation.The public policy orientation of the government directly affects the development direction of SMEs.In order to support the sustained and healthy development of small and medium-sized enterprises,the government should grasp the law of market,and guide small and medium sized enterprises to expand financing channels so as to help small and medium sized enterprises get rid of financing difficulties.In order to solve the financing problem of small and medium-sized enterprises better,combining with the actual situation of county financial work,this paper studies the current development of small and medium-sized enterprises in China,the reasons for encountering financing bottleneck,.financing channels for SMEs and policies adopted by the government.From the perspective of government agencies,this paper collects the life cycle theory,information asymmetry theory,the theory of financial repression,the theory of government regulation,and discusses the policy optimization to ease the financing difficulties of small and medium-sized enterprises,so as to provide new ideas for solvingpractical work problems.Several suggestions are put forward to promote the development of small and medium-sized financial institutions,and improve the incentive policies for credit delivery and so on,so as to provide new ideas for solving practical work problems.