Research On Micro-enterprises Financing Innovation Model Through Financial Assets Trading Platform

Small and micro enterprises have always been an important part of the national economy,and have made great contributions to national finance,taxation,employment,technological innovation and even social stability.However,the problem of difficult and expensive financing has restricted the sustainable and healthy development of small and micro enterprises for a long time.There are some reasons,such as the small scale of small and micro enterprises themselves,the imperfect Corporate Governance Structure,the Unsound Financial System,the non-standard operation and management,the non-transparent information,etc.,there are also banks and other financial institutions credit management system and the status of small and micro enterprises,such as discrimination.To this end,domestic and foreign experts and scholars have done a lot of research and analysis,the country has also issued a series of documents to support micro-financing.However,the problem of financing for Small and micro enterprises has not fundamentally changed,and the financing for small and micro enterprises has become more and more difficult due to the combination of ongoing trade disputes between China and the United States in recent years,the slowdown in domestic economic growth,capacity reduction,deleveraging and other factors,even in the Pearl River Delta,the Yangtze River Delta appear tide of small and medium-sized enterprises.How to solve the financing problem of small and micro enterprises has become an important issue related to the future economic and social development of our country.Based on the previous literature,this paper makes an in-depth analysis of the financing theory of small and micro enterprises and the current financing situation of small and micro enterprises in China and the Ganzhou region,and from three aspects: Banking Institutions,local financial institutions,private financing and capital market,it analyzes the root causes of the financing difficulties of small and micro enterprises,it is concluded that the Information asymmetry between msmes and financial institutions and the inborn characteristics of msmes are the core factors of msmes' predicament.To address these constraints,banks and other financial institutions have made a lot of work and product innovation,regulatory authorities and local governments have also issued a variety of support policies to encourage financial institutions to increase their support for the financing of small and micro enterprises.However,the unique characteristics of small and micro-enterprises can not be changed,and in the current financial environment and financial system short-term can not be deeply reformed,the problem of small and micro-enterprises financing is difficult to be fundamentally solved.On the basis of the above analysis,this paper puts forward an innovative model of Jiangxi Gannan Financial Assets Trading Center to direct insurance funds to small and micro enterprises,dissecting its scheme design,trading process and risk control,and the actual issue of its products as an example for in-depth demonstration,refining the model than banks and other financial institutions and capital market financing comparative advantage.At the same time,the existing problems of this mode are summarized,and the measures of optimization and improvement are put forward.Finally,the positive significance of the model and the possibility of promotion are analyzed in the hope that the model can be promoted in the national scope,so as to solve the financing problems of small and micro enterprises,and promote the sustainable and healthy development of small and micro enterprises.