Research On Financing Policy Problems And Countermeasures Of Small And Micro Enterprises In Nantong

The government intervention theory points out that the government has the responsibility and duty to provide perfect resource support and service support for the socio-economic subjects,so as to promote the better development of the socio-economic subjects and thus provide more jobs for the society.Create more economic benefits.Small and micro enterprises play an important role in the development of our country's national economy.The development of small and micro enterprises cannot be separated from the support of financing policies.However,due to the imperfection of the policies,small and micro enterprises still face the problem of financing difficulties.Therefore,based on the theory of government intervention and taking Nantong City as an example,this paper explores the existence of financing policies of small and micro-enterprises in this area in the form of questionnaire survey.The problem and the corresponding optimization suggestions are given.This paper first introduces the current financing situation of small and micro enterprises in Nantong,and then uses the questionnaire method to explore the problems existing in the financing of small and micro enterprises in Nantong City and the causes of the problems,from the status of policy implementation,policy benefits,and so on.The status of financing services,policy content,and other four aspects of the design of the corresponding questionnaire,selected small and micro-enterprises inNantong as the survey object,a total of 478 questionnaires were recovered,59 questionnaires were excluded from the incomplete fill-in and polygraph questions unqualified.419 valid questionnaires were obtained,the effective rate was 87.66%.Finally,aiming at the problems existing in the financing of small and micro-enterprises,the corresponding optimization is put forward.Recommendations The innovation of this paper is mainly reflected in:(1)in the selection of research perspective,this paper explores the financing difficulties of small and micro-enterprises from the perspective of policy;(2)on the concrete application,the research results of this paper are more practical and operational,and the countermeasures and suggestions are more detailed and on the ground than those of other scholars in our country.The suggestion of optimizing financing policy can provide direct reference for the improvement of financing policy of small and micro-enterprises in Nantong.Through the research of this paper,the following conclusions are drawn:(1)the problems existing in the financing policy of Nantong small and micro-enterprises:the popularity of the policy propaganda is not strong,and the work efficiency of the executive agencies and personnel is low;The threshold of policy preference is too high,the strength and scope of policy preferential support is narrow,the construction of enterprise credit information system is not perfect,and the financing service ability of enterprise is insufficient.The financing policy is not complete and the policy lacks detailed operational standards.(2)the reasons for the above problems are:unreasonable top-level system design;lack of corresponding assessment and accountability measures;The lack of correct understanding of the financing policy of small and micro-enterprises.(3)the corresponding countermeasures and suggestions are put forward after demonstration.As well as the operation details,including:setting flexible subsidy threshold,providing diversified support mode,increasing the strength of policy guarantee,strengthening the guidance and incentive to financial institutions;We should adopt diversified indicators to perfect the social credit system of small and micro-enterprises,encourage the development of diversified financing channels,introduce the evaluation criteria for the implementation of policies,and attach importance to the improvement of the ability of government financing services.The ideas of the thesis are as follows:the first chapter introduces the research background,significance,related research summary,research contents and methods,innovation and deficiency,the second chapter introduces the concept definition and theoretical basis related to this paper.The third chapter is to explain the current situation of Nantong small and micro enterprises financing;the fourth chapter is to use the form of questionnaire to explore the problems and causes of Nantong small and micro enterprises financing;the fifth chapter is to put forward the corresponding countermeasures and suggestions for the existing problems;The sixth chapter is the conclusion and prospect of the research.