Research On Suzhou Public Finance Supporting Small And Micro Enterprises Financing

Small and micro enterprises play an important role in increasing social employment and promoting economic transformation.However,in recent years,due to the slow recovery of the international economy,economic restructuring and other factors,the production and operation pressure of small and micro enterprises has increased,and the financing environment is facing severe challenges.Suzhou,as the leading area of national economic development,has a large number of small and micro enterprises,and local public finance supports the development of small and micro enterprises in the forefront of the country.This paper analyzes the basic types and characteristics of public financial policies in Suzhou,focusing on the local financial policies in Suzhou,and sums up the main problems existing in the public financial support to optimize the financing environment of small and micro enterprises in Suzhou:first,the policy objectives are unclear,the degree of market involvement is not clearly defined,and the government is unclear Unreasonable policy design leads to poor implementation effect;second,multi management of financial policies,excessive supply of some policies,unreasonable overlapping of fields and terms;third,some policy risks begin to appear gradually.The reasons for the problems include the reasons of financial policy itself,the reasons of department implementation,the reasons of objective financial environment and the reasons of laws and regulations.After in-depth analysis of the causes of the existing problems,this paper puts forward the basic ideas for the formulation and implementation of Suzhou public finance and financial policy:The first is to build the target system of Suzhou's financial policy;the second is to build a unified and convenient financial public service platform from the perspective of public finance and market neutrality;the third is to broaden the diversified financing mode of small and micro enterprises;the fourth is to guide financial institutions to improve the financing support mechanism of small and micro enterprises;the fifth is to correctly handle the relationship between taking market risks and preventing moral risks,and improve the style Awareness of risk prevention and control,construction of moral risk prevention and control mechanism and financial risk stop loss mechanism.