Research On Financing Of Small And Micro Enterprises Under The Background Of The Strategy Of Rural Vitalization

In December 2020,the Central Rural Work Conference pointed out that after the victory of poverty alleviation,rural revitalization must be comprehensively promoted.Rural revitalization is a historic shift in the focus of the work of "agriculture,rural areas and farmers".In February 2022,the Central Document No.1 listed the strengthening of rural revitalization financial services as an important content for the first time,and the financial industry has been given an unprecedented historical mission in supporting rural revitalization.Small and micro enterprises are the micro-foundation of the market economy,an energy unit that fully releases economic vitality and stimulates domestic demand,and is a key foothold for mobilizing industrial flexibility."Financial and economic activities,financial stability and economic stability".However,for a long time,financing problems have been restricting the development of small and micro enterprises,which seriously hampered the potential of small and micro enterprises to revitalize the market economy.Scholars and industry insiders at home and abroad have also been working on solving the financing problem of small and micro enterprises,but it is often difficult to carry out a comprehensive survey of "onsite + online" based on the industrial background and industry characteristics,and it is difficult to propose solutions that can be implemented,easy to use,and have policy recommendations for good practice.The former Central Soviet District of the southern Jiangxi,is the cradle of the People’s Republic of China,but economic development has long lagged significantly and people in the old revolutionary areas live in poverty.Nankang District is a former national poverty-stricken county in Ganzhou City,Jiangxi Province,which was successfully lifted out of poverty in 2018.The State Council promulgated "Several Opinions on Supporting the Revitalization and Development of the south of Jiangxi Province and Other Former Central Soviet Regions" in 2012,in which Nankang furniture is one of the special industries in the south of Jiangxi Province explicitly supported by the document,which has played a key role in lifting the old revolutionary region out of poverty.Based on the research activity of the graduate school of the Central University of Finance and Economics,this paper researches the financing of small and micro enterprises of Jiangxi Nankang furniture in the context of rural revitalization.The research team adopted the "7+56 days" comprehensive research mode of "onsite +online" to investigate 8 government units,9 financial institutions,8 furniture enterprises,2 associations and 9 industrial parks onsite,and 152 furniture enterprises and 19 commercial banks in the online research.We have obtained abundant and reliable firsthand data.Based on the research data,this paper combines information asymmetry between banks and enterprises,financing channels for small and micro enterprises,introduction of innovative financial products,enterprise management and corporate governance,government support and platform building,fixed asset leasing financing,and improvement of bank assessment methods to fully explore the problems and analyze the causes,and make some feasible suggestions to enterprises,banks,government and third-party institutions to promote the formation of a virtuous cycle of financing for small and micro enterprises.The government has proposed a number of feasible suggestions to enterprises,banks,government and third-party institutions to promote the formation of a sound cycle of financing for small and micro enterprises.Through investigation and analysis,this paper finds that Nankang furniture small and micro enterprises mainly have the following financing-related problems: the financing channels of Nankang furniture small and micro enterprises need to be broadened,the phenomenon of legal person personality confusion is relatively serious,there are problems in the homogenization of banks and the assessment mechanism,the Internet of Intelligence and other smart devices also need to be further utilized.For the underlying reasons,this paper believes that the main reasons are the poor profitability of the furniture industry,the lack of long-term financing plans by the enterprise management,and the weak awareness of internal control.The integration of platformlike resources has not yet been completed.Based on these analyses,this paper puts forward seven policy recommendations from the perspective of multiple types of subjects such as government departments,financial institutions,furniture enterprises,industry associations and technology companies,covering brand premiums,enterprise management,financing and leasing,intelligent equipment,bank reform,platform construction and many other aspects.At the same time,this paper also has rich theoretical and practical significance.This research takes the county economy in rural revitalization as the macro background,and is closely related to the characteristic industry,enrichment industry and poverty alleviation industry in the original central Soviet area of southern Jiangxi Nankang Furniture research.It not only enriches the previous research on the financing of small and micro enterprises,but also makes up for the shortcomings of previous research,and analyzes the new meaning of financing for small and micro enterprises in the context of the era of rural revitalization.In addition,the research results of this paper will also feed back to the local government,effectively serve the local economy,and help industrial upgrading and transformation.