Research On Financing Support Policies For Small And Medium-sized Enterprises In Quzhou City

With the deepening of China's economic structural reform,the mode of economic growth has been further reformed from high-speed growth to high-quality growth.At present,the risk factors of international environmental uncertainty have increased sharply,the advantages of external growth have been seriously weakened,the financing contradictions of small and medium-sized enterprises have become prominent,and the pressure of business operation has increased,resulting in the continuous decline of investment and production vitality.To this end,the state intensively issued a series of policies to support the development of small and medium-sized enterprises,such as the opinions on further deepening financial services for small and micro enterprises,to guide and urge all parties to increase financial support for small and medium-sized enterprises.In this context,this paper carried out an investigation and Research on the implementation of financing support policies for small and medium-sized enterprises in Quzhou City.In addition to the introduction,this paper has five chapters.In the introduction part,the main contents are as follows: the background,significance,contents and methods of this paper,and the literature review of domestic and foreign scholars on the financing policies to support small and medium-sized enterprises.The first chapter is about the related concepts and theoretical analysis of financing support policies for SMEs.First of all,the definition of small and medium-sized enterprises in China is clarified,and the basic situation of small and medium-sized enterprises is introduced.Small and medium-sized enterprises have the main characteristics of large quantity contribution,high opening rate and vitality,but lack of core competitiveness and effective financial demand.Secondly,it introduces the financing support policies of small and medium-sized enterprises,and defines the financing support policies of small and medium-sized enterprises.At present,China's policies to support small and medium-sized enterprises mainly focus on four aspects: monetary policy support,differentiated regulatory policy support,financial and tax policy support and business environment optimization.From the perspective of demand and supply,this paper expounds the financing limitation and Stock Financing Restriction of small and medium-sized enterprises,and analyzes the theory of financing support policy of small and medium-sized enterprises from the two perspectives of demand side policy support and supply side policy support,which is mainly based on the theory of public goods and market failure.The second chapter,Quzhou small and medium-sized enterprises financing situation and policy support situation,mainly describes the current situation and financing situation of Quzhou small and medium-sized enterprises,analyzes the financing situation of Quzhou City,introduces the current main policies of supporting small and medium-sized enterprises financing in Quzhou City,mainly focuses on four aspects: monetary policy support,financial and tax policy support,building social credit system and optimizing business environment Main contents.Through the analysis of the effect of these supporting policies,under the effect of the policies,the credit of small and medium-sized enterprises in Quzhou City has achieved rapid growth,but the voice of "financing is difficult and financing is expensive" still occurs from time to time.The third chapter points out the problems and reasons of the financing support policies of small and medium-sized enterprises in Quzhou City.It points out that the financing policies of small and medium-sized enterprises are not perfect for the financial organization system,the operability of the direct financing support policies is not strong,the joint efforts of the financing guarantee policies are not sufficient,the implementation of the credit system is not strong,and the support of the financing policies is limited.In view of the problems existing in the implementation of the above support policies,this paper analyzes the reasons from three levels of government,enterprises and financial institutions.The fourth chapter elaborates the experience of foreign SME financing support policies,taking the developed countries and regions such as the United States,the European Union and Japan as samples,through analyzing the beneficial experience of the above developed countries in SME support policies,and then puts forward some enlightenment of China's SME financing support.The fifth chapter is the countermeasures to support the optimization of financing policies of small and medium-sized enterprises.According to the analysis of the reasons for the problems in the financing support policies of small and medium-sized enterprises mentioned in the third chapter,the corresponding government,small and medium-sized enterprises,financial system and other three levels put forward the Optimization Countermeasures for the financing policies of small and medium-sized enterprises.At the government level,it is necessary to improve the service level of the government,improve the effect of the implementation of financing policies,improve the supervision and assessment mechanism for the implementation of financing policies of small and medium-sized enterprises,improve the policy support system for small and medium-sized enterprises,formulate long-term institutional arrangements for financing of small and medium-sized enterprises,and establish a supervision system for the implementation of financing of small and medium-sized enterprises.We will improve the management and service level of small and medium-sized enterprises,build a sound financial credit information service platform,and improve the service supporting institutions for small and medium-sized enterprises.We will strengthen the construction of the guidance system for small and medium-sized enterprises,establish and improve mechanisms for sharing financing risks and enhancing credit,deepen the construction of enterprise credit systems,and build a mechanism for restoring enterprise credit.At the enterprise level,it is necessary to improve the financing ability of SMEs,cultivate the market subjects of SMEs that meet the requirements of industrial structure,improve the self construction of SMEs,and vigorously develop direct financing.At the financial system level,we should build a perfect supply system of financial organizations,implement the access policy of differentiated financial institutions,build a differentiated competition system of financial institutions,and improve the supply system of financial products.