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Research On The Implementation Of Financial Support Policies For Small And Micro Enterprises In Suqian City

Posted on:2020-09-16Degree:MasterType:Thesis
Country:ChinaCandidate:S S WangFull Text:PDF
GTID:2439330626953507Subject:MPA
Abstract/Summary:PDF Full Text Request
The financing of small and micro enterprises is a hot topic in the academic circle and also a problem that the government tries to solve.So far,the research has mainly focused on the government's policy making in supporting the financing of small and micro enterprises.Considering that in recent years,the government has successively issued some policies to support the financing of small and micro enterprises,this paper takes these policies as the established premise and studies the effects of the implementation of these policies by commercial Banks,so as to reflect on the room for improvement of relevant government policies.Commercial Banks are not only an important channel for small and micro enterprises to obtain financing,but also an important target for the government to implement financing support policies for small and micro enterprises.Whether commercial Banks have effectively implemented financing support policies for small and micro enterprises,how effective they are in implementing the policies,and whether the results are in line with the policy expectations are effective tests for the feasibility of government policies.Taking S state-owned commercial bank of Suqian city as the research object,this paper compares the changes of S bank's financing situation to small and micro enterprises and non-small and micro enterprises before and after the government's financing policies for small and micro enterprises,so as to understand the actual implementation effect of relevant policies issued by the government.The study found that although the government issued relevant policies to support the financing of small and micro enterprises,and S bank also implemented financing policies for small and micro enterprises one by one,S bank's loans to small and micro enterprises still had problems such as low proportion,high defect rate and high financing cost.This paper uses the game theory to analyze the causes of the problems.This paper holds that in the development of socialist market economy,the enterprise nature of commercial Banks cannot be changed,so in the contradiction between the government and commercial Banks,the government is always the main aspect of the contradiction.The government must make commercial Banks strengthen financing for small and micro businesses by improving financial supervision policies for small and micro businesses,improving relevant legal systems and innovating policy-based financing channels.
Keywords/Search Tags:Small and micro enterprises, Financing, Government support policy
PDF Full Text Request
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