Research On The Implementation Of Financial Supervision Policy For Small And Micro Enterprises In City A

China has now entered a stage of high-quality development,and the development of small and micro enterprises plays an important role in the national economy.In recent years,our country has been vigorously promoting structural reforms on the financial supply side,and financial resources have been tilted towards small and micro enterprises.The government and financial regulatory authorities have also issued many regulatory policies aimed at guiding banks to further improve the level of financial services for small and micro enterprises,alleviating the difficulty of financing for small and micro enterprises,and supporting the healthy development of small and micro enterprises.Hubei Province A city has achieved certain results in the implementation of financial support for the development of small and micro enterprises,but it also faces many problems.To this end,this article has carried out a targeted study on the subject of the implementation of financial supervision policies for small and micro enterprises in City A.The author combines a series of major policies issued by the state in recent years to support the financing of small and micro enterprises,as well as the financial supervision policies of small and micro enterprises implemented by government regulatory agencies.Based on Smith’s policy implementation process model,the theoretical basis is from policy formulation,implementation agencies,and Based on the four major elements of the target group and the policy environment,it analyzed the implementation of financial supervision policies for small and micro enterprises in City A of Hubei Province,sorted out the current situation of policy implementation,and summarized the shortcomings of policy implementation.The author analyzes the problems in policy implementation from four dimensions: the dimensions of financial supervision policies for small and micro enterprises,the dimensions of executive agencies and government supervision departments,the dimensions of target group banking financial institutions,and the social environment of policy implementation.The analysis shows that the main reason for the problems lies in small and micro enterprises.Financial regulatory policies need to be optimized,the regulatory responsibilities of implementing agencies are not clear enough,the small and micro financial system of the target group banking institutions is not perfect,and the external environment conducive to policy implementation needs to be optimized.Guided by Xi Jinping’s thoughts on socialism with Chinese characteristics for a new era,the author follows the development concepts of “six stability” and “six guarantees”,combined with the actual development and characteristics of City A,and believes that it is necessary to improve the effectiveness of the financial supervision of small and micro enterprises by the regulatory authorities.Proceed from the following aspects: first,the need to continuously optimize the financial supervision policies for small and micro enterprises;second,the regulatory authorities need to establish a negotiated and cooperative financial supervision concept;third,the banking institutions need to establish and improve the small and micro financial system;fourth,promote the optimization of regulatory policies The execution environment.