Research On The Financing Constraints Of Small And Micro Enterprises In Yingkou

Small and micro enterprises are the important foundation of the real economy.They play an irreplaceable role in providing jobs,promoting market vitality,promoting structural transformation and maintaining competition mechanism.Yingkou,as an important port in the old industrial base of Northeast China,has a large number of small and micro enterprises.However,there are many problems,such as the contradiction between supply and demand of funds,the high cost of financing,and the rampant usury of private loans.By using the methods of literature analysis,field investigation and comparative analysis,this paper makes a comprehensive study on the financing distribution,financing channels,financing costs and financing characteristics of small and micro enterprises in Yingkou,fully explains the main crux of financing constraints,and emphatically analyzes the influencing factors of financing constraints.Combining with relevant literature and theoretical basis,this paper compares and draws lessons from the advanced management practices of local governments at home and abroad,and puts forward the "four-dimensional" optimization scheme to ease the financing constraints of small and micro enterprises.In the aspects of policy mechanism,economic foundation,cost-effective social environment,the feasibility of the scheme is fully demonstrated,and supportive suggestions are put forward for the effective implementation of the scheme.The results show that the financing constraints of small and micro enterprises in Yingkou are affected by the interaction of the four dimensions of small and micro enterprises,financial institutions,financing market and the government itself,such as the lack of normative guidance for enterprises,the lack of scientific financial supervision,the lack of reasonable market intervention and the lack of healthy interaction between the government.To solve the problem of financing constraints of small and micro enterprises,the government should make use of comprehensive means such as policy mechanism and administrative intervention to play a leading and leading role in standardizing enterprise operation and management,scientific supervision of financial services,improving the main function of the market,and strengthening government interaction and cooperation.On this basis,we also need to consolidate the financing capacity of enterprises,strengthen the financial service capacity,create a market service atmosphere and give play to the policy inclination to guide the four aspects of supporting security,so as to build a systematic financing support system for small and micro enterprises,and work together to break the financing constraints of small and micro enterprises.