| As the most active organizational form in the market economy,small and micro enterprises have become an indispensable force in the process of Chinese economic development due to the characteristics of low access threshold,flexible entry and exit market and large number.However,for a long time,due to the imperfect financial system and insufficient effective assets,small and micro enterprises have limited financing channels.Especially in the past two years,due to the impact of the external environment,the capital problem of small and micro enterprises has become more and more prominent.In order to help small and micro enterprises tide over difficulties,the central bank and other financial regulatory authorities have innovatively launched a number of targeted financial policies to help small and micro enterprises obtain financing support by guiding the credit behavior of commercial banks.In the past,most of the measures to improve the financing of small and micro enterprises only stayed at the level of academic research,but when the historic black swan event occurred,the unprecedented excess financial policies and structural monetary policy tools for small and micro enterprises turned into reality from theory.In this context,this paper tries to find out the existing problems and blocking points in the process of current financial support for small and micro financing,so as to put forward countermeasures to further optimize the financing effect of financial support for small and micro enterprises,and help small and micro enterprises develop better.This paper first makes clear that the current small micro enterprises still take commercial bank loan as the primary supplementary source of funds.Secondly,the policy of financial support for small and micro enterprises during the epidemic was sorted out.The realization path of these policies is mainly achieved by guiding commercial banks to increase loans to small and micro enterprises and reducing the interest rate of loans to small and micro enterprises.At the same time,the small and micro enterprises and the banking financial system in H City were selected as the observation objects,and the questionnaire data of small and micro enterprises and the credit data of the banking financial system were collected.Through descriptive statistical analysis,satisfaction analysis and entropy method,the financing output effect of financial support for small and micro enterprises was comprehensively evaluated.The research conclusions show that the financial policies introduced during the pandemic have effectively improved the availability of financing for small and micro enterprises,and the current support of bank loans to small and micro enterprises has been greatly improved.However,small and micro enterprises generally do not understand the financial preferential policies and innovative products of banks,which restricts the benefits of financial policies.In addition,although credit loans to small and micro enterprises have increased significantly with policy support during the pandemic,the lack of collateral is still the key to limit the access of small and micro enterprises to bank loans.Secondly,the financial support of commercial banks to small and micro enterprises is mainly affected by policies,and the input of credit resources has a great correlation with economic trend and policy intensity.Based on the above conclusions,this paper gives specific strategies and suggestions on how to further improve the financing effect of financial support for small and micro enterprises from the level of small and micro enterprises,commercial banks and the policy. |
