An Analysis Of Government Supervision Of Small And Micro Loan Business Of Rural Small And Medium-sized Banks In Jiamusi Cit

Micro and small enterprises are the main force of development,the main channel of employment and the important source of innovation in the market economy.In order to solve the problem of "difficult and expensive financing" for micro and small enterprises,the central government has introduced a series of financial support policies,such as the targeted downgrade policy for inclusive finance,the monetary policy of micro and small loans,and the exemption of stamp duty and VAT on loan interest for micro and small enterprises.However,the transfer of central policies to small and micro enterprises requires financial institutions to return to their origins in implementing the policies and transform the dividends of the downgrade and tax exemption into supporting the development of small and micro enterprises and serving the real economy.Government regulators supervise the small and micro loan business of banking financial institutions,which directly affects the implementation of banking institutions’ policies to support small and micro enterprises.At present,the government supervision of small and medium-sized rural banks in Jiamusi has achieved the following regulatory results: firstly,to solve the financing difficulties of small and medium-sized enterprises,secondly,to purify the lending environment in rural areas,thirdly,to guide small and medium-sized rural banks to serve the "three rural areas".Fourthly,establish a regulatory assessment system to promote policy implementation.However,there are still the following issues in regulation: firstly,the government’s regulatory responsibilities for small and micro loan business of rural small and medium-sized banks are vague,and secondly,the policy implementation of rural small and medium-sized banks deviates from the original intention of regulation,thirdly,the lack of joint review mechanism of government supervision resources,and fourthly,the lack of science of small and medium-sized loan policy.This paper proposes the following countermeasures to solve the problem: firstly,iplement differentiated supervision to promote policy implementation,secondly,promote big data risk supervision,thirdly,establish a comprehensive supervision system,and fourthly,strengthen the construction of supervisory team.