Research On The Financing Problem Of Small And Micro Enterprises Under The Wiew Of "Internet +" Inclusive Finance

Small and micro enterprises are the main force of entrepreneurship and play an important role in stabilizing economic growth,expanding employment and promoting innovation.However,in the operation of market economy,small and micro enterprise financing is still limited;therefore,it effectively solves the financing problems of small and micro enterprises and provides them with accurate service is the current focus and significant.With the improvement of internet information technology,it is more and more widely used in the financial field.Integrating internet information technology with inclusive finance is conducive to promoting the all-round development of inclusive finance;the availability of financial services is realized,and it is weak.Groups,low-income people,especially small and micro enterprises provide convenient and accurate financial services.This paper mainly studies the financing problem of small and micro enterprises from the perspective of inclusive finance;the introduction and development of inclusive finance will inevitably bring certain effects to China's financial system,especially the reform of financial institutions,their business philosophy.There will be changes,and there will be no discriminatory when providing financial services;at the same time,the application of the Internet in the national enterprise information credit system,the supervision and prevention of network risks and financing risks need to be strengthened;This paper is divided into five chapters.In the first chapter,it mainly proposes the research background,research content and research methods of this paper.Through the collation and analysis of relevant literature at home and abroad,it tries to get the financing problem of small and micro enterprises in China.The research direction and the inadequacies of this paper on the research of small and micro enterprises.The second chapter is an overview of relevant theories,including related concepts involved in this paper,supporting the theoretical basis of research on financing problems of small and micro enterprises,and the application effect of inclusive finance in small and micro enterprises in China,and drawing out inclusive financial activities.Conducive to the development of small and micro enterprises.The third chapter is the analysis of the current situation of small and micro enterprise financing,understanding the current development of small and micro enterprises,and the problems of small and micro enterprise financing.The fourth chapter and the fifth chapter are the key points of this paper.They analyze the reasons for the problems of financing in small and micro enterprises and propose corresponding countermeasures.The difficulty in financing small and micro enterprises is mainly due to three factors.First,small and micro enterprises develop themselves.The scale of operations,internal governance structure and the level of professionalism of managers affect the financing of small and micro enterprises;second,financial institutions.The supply of financial products and the demand of small and micro enterprises do not match,the lack of competition among financial institutions and the imbalance of distribution among financial institutions affect the financing of small and micro enterprises.Third,financial policy and supervision.The implementation of the policy is not enough,and the financial openness and supervision of the regulatory authorities are not in place to affect the financing of small and micro enterprises.The fifth chapter is to propose countermeasures for these problems;firstly,improve the management ability of small and micro enterprises;secondly,play the role of the main supplier bank of financial services;finally,we must strengthen the system construction of "Internet +" universal financial benefits and supervision.It is hoped that through the above suggestions,the financing problems of small and micro enterprises can be solved,the role of small and micro enterprises in the market economy can be brought into play,and the healthy and sustainable development of small and micro enterprises can be realized.