Research On Financing Policy Issues Of Small And Micro Enterprises In Shandong Provinc

Small and micro enterprises are the pillars of the national economy and the key to improving people’s livelihood.As early as the 30 s of the 20 th century,the world economy fell into the Great Depression,in order to get rid of the impact of the economic crisis,the United Kingdom conducted a survey and analysis of its financial system and enterprises,believing that there is always a funding gap in the development of small and micro enterprises.In recent years,small and micro enterprises in Shandong Province have played an important role in supporting employment,improving people’s livelihood,increasing jobs,and creating tax revenue,with the typical characteristics of "56789",that is,contributing more than 50% of tax revenue,more than 60% of GDP,more than 70% of technological innovation,more than 80% of urban labor employment,and more than 90% of the number of enterprises.It can be seen that small and micro enterprises are of great significance to the economic development of Shandong Province.However,the sudden outbreak of the new crown epidemic in 2019 has plunged the economy of small and micro enterprises into financing difficulties,and the entire industry has fallen into a depression.General Secretary Xi Jinping stressed: "We must give priority to solving the problem of difficult or even impossible financing for private enterprises,especially small and medium-sized enterprises,and gradually reduce financing costs." However,the problem of "difficult financing" has always been a shackle restricting the development of small and micro enterprises,because small and micro enterprises themselves have natural weaknesses such as information asymmetry,lack of collateral,and imbalance of cost and benefit,resulting in small and micro enterprises in the dilemma of "difficult financing,expensive financing,and financing insurance" for a long time.Based on the background of the normalization of epidemic prevention and control,this article takes the research on financing policies of small and micro enterprises in Shandong Province as the starting point,uses questionnaire surveys,comparative analysis,interviews and other research methods,combines theory and practice,compares the relevant experience of the domestic government-bank-burden cooperation model in Anhui Province and the foreign American model,and analyzes the reasons for the "difficulty in financing" of small and micro enterprises: first,the government’s support does not match the financing needs of small and micro enterprises;Second,the financial system supply policy for the financing of small and micro enterprises is insufficient;Third,the financial market to help small and micro enterprises finance needs to be improved.By analyzing the above reasons,we sent out a survey questionnaire and conducted on-site interviews,and analyzed and summarized in detail the three main problems in the financing policy of small and micro enterprises in Shandong Province: first,the financing policy lacks strategic thinking;Second,the financing policy is not operable;The third is the lack of continuity of financing policies,and in view of the above problems,the following four optimization paths are proposed: one is to explore and solve the financing dilemma from the construction of the financing system,the second is to explore and solve the financing dilemma of small and micro enterprises from differentiated policies,the third is to create a good financing environment from the reform of the financial system,and the fourth is to solve the financing dilemma from the small and micro enterprises themselves.