Research On Bank-aided Financing Of Small And Micro Enterprises From The Perspective Of Government Policy

Nowadays,social productivity develops continuously and the market economy is gradually solid,but the developing difficulties of small and micro enterprises cannot be ignored in the process of rapid economic growth.To expand the scale of production and operation,small and micro enterprises must obtain sufficient funds.Although the government supports the development of small and micro businesses,it is difficult to use effective methods to meet the demand for financing,There are multiple reasons for this phenomenon.In addition to the poor conditions of small and micro enterprises themselves to meet the financing requirements,this situation is also caused by unrefined government policies,inadequate implementation of policies and unwillingness of all-level banks to provide small and micro businesses with financing services for risk avoidance and profit pursuit.Multiple factors have increased the financing risks and pressure on small and micro enterprises,which further exacerbates the shortage of funds.Based on guiding the banks to undertake the corresponding supporting function instead of the government from the perspective of government policy,this paper integrates relevant theories and applies various research methods to study the financing problem of bank-assisted small and micro enterprises.As a basic method to realize the government’s support for small and micro enterprises,banks play an important role in the support work.At present,in view of the financing difficulties encountered by the small and micro enterprises,the government has issued a series of measures,such as inclusive tax policy,diversified credit policy,etc..At the same time,some banks have also launched a variety of financing products for small and micro enterprises.However,there are still problems such as high costs,lack of channels and inadequate policies for financing small and micro enterprises..Therefore,the government should guide banks to further innovate the financing business of small and micro enterprises,as well as improve and enhance the credit details,credit technologies and risk management.In order to guarantee the effective implementation of the above measures,it is also necessary to refine the three levels in terms of local governments improving supporting measures,banks improving their service system and small and micro enterprises making reasonable use of financing initiatives.It is significant to promote the financing and development of micro and small enterprises by refining initiatives to guide banks to help and solve the financing problems of micro and small enterprises under the perspective of government policies and to innovate small and micro credit financial services.