On How To Solve The Problem Of Financing Difficulty In Small And Micro Enterprises Under The Background Of Inclusive Finance

small and micro enterprises have a great contribution to China's economic development and are one of the main driving forces of China's economic development.National policy has been encouraging financial institutions to support the development of small and micro-enterprises,but not very ideal,small and micro-enterprises still face financing difficulties.The third Plenary session of the 18 th CPC Central Committee proposed the development of inclusive finance,which demonstrated the determination of the Party and the state to promote the equal and equitable allocation of financial resources and solve the financing plight of small and micro-enterprises.In this paper,small and micro enterprises in S city as the analysis object of field research,and according to the results of research combined with inclusive financial policy,explore the financing difficulties of small and micro enterprises under inclusive finance,cause analysis and analysis of the reasons.A counter-measure to improve the plight.The research report first introduces the research background,purpose,significance and research methods of the paper.Secondly,summarize the basic economic and financial situation before and after the inclusive financial policy in S city,in order to understand the situation of small and micro-enterprises and financial institutions in S city more deeply,and provide the basis for the in-depth investigation and improvement of the financing situation of small and micro-enterprises in S city;Then,collate the results of statistical research data,at the same time analyze the supporting policies of financial institutions and government to small and micro-enterprises under inclusive Finance,and find out whether the financing situation of small and micro-enterprises in S City has been improved under inclusive Finance;Finally,this paper analyzes the financing predicament and its reasons of small and micro enterprises under inclusive finance,and analyzes the financing difficulties of small and micro enterprises themselves in S city.In this paper,financial institutions and relevant government departments explore the solutions to the financing difficulties of small and micro-enterprises from three angles of inclusive finance.The innovation point of this paper is to put forward countermeasures and suggestions to the financing predicament of small and micro-enterprises under inclusive finance.On the one hand,small and micro-enterprises should improve their own quality to obtain funds,such as standardizing the management system,clarifying the use offunds,strengthening risk management and increasing the degree of credit.On the other hand,financial institutions and governments should also introduce some targeted countermeasures,such as improving the credit management system of commercial banks,encouraging the development of non-governmental financial institutions,and encouraging small and micro-enterprises to participate in direct financing.The government can increase policy support for small and micro-enterprises to provide a good service environment.In a word,in order to solve the financing dilemma of small and micro enterprises,it is necessary to start from small and micro enterprises.The body,the financial institutions and the government work together.