Research On The Current Situation And Countermeasures Of Financing Difficulties In County Small And Micro Enterprises

Small and micro enterprises are an important basis for the county's diversified economy and an important carrier for promoting county economic development.The shortage of funds in the development of small and micro enterprises in the county area is a fatal problem.The scale of production cannot be compared with that of large enterprises.The scale of assets is small,the number of people is small,and the bottom is thin.There is generally a single guarantee method,less loan collateral and poor anti-risk ability.The problem is that the loan method requested by the financial institution is asymmetric and does not conform to the loan conditions of the financial institution.It is difficult to obtain financial support through the bank channel and can only be financed through a non-financial institution.However,the interest rate is high,the cost is high,and the risk is high.Therefore,small and micro enterprises has always been plagued by difficulties in financing,financing issues outstanding,many small and micro enterprises are struggling county is facing a major problem,while also facing difficulties in funding strand breaks caused by profit.At present,it is an urgent task to improve the financing environment for small and micro enterprises in the county,reduce financing costs,and resolve the financing difficulties of county-level small and micro enterprises.Therefore,this paper focuses on the status quo and countermeasures of financing difficulties for small and micro enterprises in the county area.It selects 200 small and micro enterprises in LL County as samples and conducts detailed special investigations through survey questionnaires,on-site visits,and telephone interviews.Investigate the status quo of financing difficulties for small and micro enterprises in LL counties,analyze the characteristics of financing needs and characteristics of financing structures for small and micro enterprises in counties,and highlight the difficulties in financing for county-level small and micro enterprises from the perspectives of regional characteristics,types of enterprises,and channel performance,and also from financial policies.,small and micro enterprises themselves,and financial institutions respectively analyzed the causes of financing difficulties for county-level small and micro enterprises,and compared the experience of small and micro enterprises indomestic and foreign counties in resolving the difficult cases of financing difficulties,and Rong Cheng's “Internet Credit Service Platform”,Postal Savings Bank,The advanced practices of the Construction Bank and the Wells Fargo Bank of the United States,summed up experience and enlightenment,and explored countermeasures and suggestions to solve the financing difficulties of small and micro enterprises in the county.Through empirical analysis and in-depth research,it is clear that measures and suggestions need to be strengthened in six aspects: “First,the government” should increase policy support to highlight the county tilting strategy;“Regaining focus on hands” should improve the construction of credit systems to protect small and micro enterprises in the county;"Small-based and micro-emphasis" improve the credit support service system for small and micro enterprises in the county;"anti-market advancement" improves the construction of financing guarantee system for small and micro enterprises in the county;"find the way" strengthens the construction of small and micro enterprises in the county;"Lower-waist" initiative to do a full range of financial services for county-level small and micro enterprises;strengthen risk management and control,prevent and defuse financial risks,has a very important role in the fundamental solution to the county's small and micro enterprise loan problems,will surely make the county small and micro enterprises financial difficulties Get effective relief and promote the rapid development of small and micro enterprises in the county.