Research On Financial Service Model Of Small And Micro Enterprises In Zhuhai

Small and micro business is an important driving force to solve the employment,innovation and distribution problems,in the new normal era,the development of small and micro businesses will change Chinese economy's driving mode,make more important contributions to promote economic society to turn into a new stage.However,the financing problem has been the key point and difficulty for the survival and development of small and micro enterprises.This paper studies small and micro businesses from the domestic,foreign literature and financial theory,analyzes of the causes of small and micro businesses financing difficulty,the paper states that asymmetric information and credit rationing are the key factors leading to the financing difficulty of small and micro businesses,the government can use the relationship loan theory and tax and fiscal policy to help small and micro businesses to solve financing problems,at the same time the government can use financial leverage and credit to provide financial security services to small businesses.On the basis of in-depth analysis of these theories,this paper selects the United States,Japan and Taiwan to carry out the analysis of the experience of small and micro enterprises in financial services looking for some references.This paper takes the example of Zhuhai city's construction of the "four in one" secured financing platform,further analyzes the working mechanism and supporting methods of small and micro enterprises,put forward the existing problems in the platform,including the unreasonable boundary between government and market,the organization and management deficiencies,insufficient supporting system and the underdevelopment of supervision mechanism.On this basis,this paper puts forward the generalized thinking for the actual situation of locality to support small and micro businesses,suggests specific policy proposals,puts forward the development of small and micro businesses financing security-related laws and regulations,improves government functions,implements various support policies,practices the "negative list" system,strengthens the construction of inclusive finance and financial information management system.This paper is practically significant to break the information asymmetry,play financial leverage effect and other measures.