Research On Financing Of Small And Micro Enterprises In Hebei Province From The Perspective Of Financial Ecosystem Environment

As the downward pressure of domestic and foreign economy increases at present,promoting the healthy development of small and micro enterprises(hereinafter referred to as SMEs)concerns the overall economic and social development and becomes a priority the central government and all tiers of people’s governments attach great importance to.In particular,the financing problem is the top difficulty many SMEs face.The development of SMEs is closely related to the external environment.Therefore,this paper studies the financing problems of SMEs in Hebei Province from the perspective of the financial ecosystem environment,and selects five elements for discussion,namely,economic foundation,financial development,legal environment,credit environment and government behavior.The author first analyzes the current situation of the SMEs’ development,then adopts a semi-structured interview method based on consulting the published data,and go to some regions(cities,counties and districts)for face-to-face discussions with local government departments and financial institutions,and visits enterprises on the spot,so as to comprehensively and deeply understand the development of SMEs,especially the problems they face in financing.The financing problems involve the difficulty to obtain financing,a large financing gap,a poor access to financing,clogged financing channels,expensive financing modes with a high cost;the low equipment pledge rate and inflexible pledge loan methods;the small amount of private financing,etc.Combining the five elements and the corresponding indicators of Hebei Province,this paper analyzes the causes of financing problems of SMEs in Hebei Province.Finally,countermeasures are proposed as follows: vigorously develop the economy and promote the coordinated development;continuously optimize and improve the financial supply structure and develop new financing modes for enterprises;better the legal environment to promote the healthy and orderly development of the financial ecosystem environment;optimize and improve the credit environment and improve the accessibility of credit;and the government should coordinate to create a better financial ecosystem environment.