A Research On The Supervision Of Bank Loans For Small And Micro Enterprises In City

At present,under the background of economic downturn,the state is vigorously promoting financial supply-side structural reform,solving the problem of difficult and expensive financing for the development of small and micro enterprises,and accelerating the pace of resumption of work and production of small and micro enterprises,but with the continuous increase of investment,the problem of bank loans for small and micro enterprises is increasing,and the government’s supervision is becoming more and more important,how to solve the problem of small and micro enterprise loan supervision in the current market environment,and improve the ability of small and micro enterprise bank loans to resist risks and cope with the uncertainty of economic development.It has become an urgent problem to be studied and solved in the current academic community.China’s political and economic reforms have all started to develop on a trial basis in large cities,Jiangsu,Zhejiang and Shanghai and other coastal developed cities,so there are relatively many studies on bank loans for small and micro enterprises,but for small and medium-sized cities,the research started late and the research results are relatively small.Taking the supervision of bank loans for small and micro enterprises in City A as the research object,combined with a series of major policies issued by the state in recent years to support the financing of small and micro enterprises,and the supervision policies of small and micro enterprise bank loans implemented by the government regulatory departments,the regulatory department of City A has been following the development concept of "six stability" and "six guarantees",analyzed the supervision of bank loans for small and micro enterprises in City A,and analyzed the problems existing in the supervision of bank loans for small and micro enterprises in City A through questionnaire surveys and interviews,combined with statistical analysis and description methods.Combined with the actual development situation and characteristics of City A,the three targeted optimization countermeasures of innovating the loan supervision model,improving the loan supervision system and supporting system were formulated to improve the supervision level of bank loans for small and micro enterprises in City A,and at the same time,put forward corresponding safeguard measures in three aspects of organization,system and coordination,so as to promote the landing and implementation of its optimization countermeasures.