Analysis On The Financing Of Small And Micro Enterprises In The Development Of Inclusive Financial System

In recent years,under the high attention of the government,the implementation of inclusive financial policy has achieved initial results,and the financing problem of small and micro enterprises has been alleviated to a certain extent.However,the low level of financial services inclusion for small and micro enterprises,the mechanism of financial institutions to serve small and micro enterprises has not been effectively established,and the availability of loans for small and micro enterprises remains not to be improved.Especially in our country economic growth has entered a new normall,this problem is increasingly prominent.Based on this,This paper focuses on the financing of small and micro enterprises under inclusive finance,first of all,from the connotation of inclusive finance,on the basis of relevant theories such as inclusive finance,financial development theory and so on,combined with the case of enterprise financing,to analyze the realistic difficulties of small and micro enterprise financing.This paper sums up the problems of financing channels,financing structure and social problems caused by non-governmental loans in small and micro enterprises.And from the internal and external two aspects analyzed the reasongs of limited financing for small and micro enterprises.Secondly,on the basis of summing up and analyzing the role and status of small and micro enterprises to the national economy,through combing the inclusive financial policy of our country in recent years,combining with the present situation and policy effect of small and micro enterprises,this paper puts forward the shortcomings of the development of inclusive finance in our country,including the uneven distribution of financial resources,the ineffective establishment of business sustainable model,the difficulty of implementing due diligence exemption,and the lack of endogenous power of commercial banks to provide credit to small and micro enterprises.Finally,combining with the experience and practice of foreign advanced areas,from the government action,financial supply,enterprise endogenous and other aspects,in the construction of credit system,optimize the financial ecological environment,popularize financial knowledge,establish agile organizations to serve inclusive groups,and so on,some countermeasures and suggestions can be put forward to alleviate the financing contradiction moderately.