Research On Financing Policy Of Small And Micro Enterprises In Changji

With the rapid development of social economy in our country,small and micro enterprises develop very rapidly,effectively alleviate the pressure of employment,raise the level of scientific and technological innovation,improve and upgrade the industrial structure,increase market activity,accelerate the transformation of economic structure,meet the material needs of the people,and gradually develop into an indispensable part of the national economy.However,small and micro enterprises have the characteristics of small asset scale,financing difficulties and weak ability to resist risks,which leads to the fact that small and micro enterprises are still at a disadvantage in the national economic system and are restricted by many factors.As the most important problem,the lack of funds has become the key factor restricting the rapid development of small and micro enterprises.Near Over the past year,the Party Central Committee,the State Council,the people's Bank of China,the Banking Regulatory Commission,the Development and Reform Commission and other departments have issued a series of financial support policies to alleviate the financing difficulties of enterprises,stressed the importance and urgency of financial services for small and micro enterprises,and put forward corresponding requirements,although some achievements have been made,there are still some shortcomings.The development of private economy in Changji is more active and there are many small and micro enterprises.In the process of development,it is still suffering from different degrees of financing difficulties,and there is a lot of room to improve the level of financial services.In view of the present situation of financing of small and micro enterprises in Changji,this paper makes comprehensive use of the relevant theories of public policy,combined with the actual situation of Changji,and adopts the literature.Analysis method,comparative research method,induction summary method and other methods,collect and summarize the relevant theories and data such as small and micro enterprises,bank credit business,financing development and so on,combined with the current financing policy of Changji Prefecture,understand the current situation and effectiveness of financing policy,through analyzing the shortcomings of the current financing policy and the existing problems of financing policy,This paper analyzes the specific reasons that affect the financing policy in detail from three aspects.By comparing and drawing lessons from the successful experience of financing policies of small and micro enterprises in advanced areas of China,this paper puts forward some corresponding countermeasures for the revision and perfection of financing policies of local small and micro enterprises,so as to guide small and micro enterprises to strengthen their own construction and promote the phase.The customs department explores the relevant policies in line with the local characteristics and optimizes the external environment for the development of small and micro enterprises,so that the financing policy of small and micro enterprises in Changji can play a better role,fully meet the actual demands of small and micro enterprises,and help the healthy and rapid development of small and micro enterprises in Changji.