Research On The Effect Of Financial Support Policies For Small And Micro Enterprises Under The Background Of Taizhou Financial Refor

On December 2,2015,the Executive meeting of The State Council decided to build Taizhou,Zhejiang Province,into a pilot zone for financial service reform and innovation of small and micro enterprises.In December 11,the People’s Bank of China,the National Development and Reform Commission,Ministry of Finance and other seven ministries jointly issued by the zhejiang province taizhou small micro enterprise financial service innovation experimental zone overall plan notification(silver hair [2015] no.375),formally approved the establishment of taizhou city,zhejiang province small micro enterprise financial service innovation experimental zone(Related institutions in policy implementation referred to as "Taizhou Financial reform" or "Taizhou Small and Micro Financial Reform Pilot Area",this paper is also referred to as this).Since then,the pilot work of small and micro financial reform has been put on the important work schedule as an important task of taizhou to continue and comprehensively deepen the reform.Over the past five years,Taizhou city has been trying to achieve the goal of "Zhejiang is the focus of the whole country and Taizhou is the focus of Zhejiang" in small and micro finance.A series of reforms have been carried out in multiple fields and levels,and a number of basic,iconic and pioneering reform achievements have been implemented.Small and micro finance services have been continuously improved,and "Taizhou experience" has been continuously created.Based on the background of taizhou Small and micro financial service reform and innovation Pilot Zone,based on the standard framework of "effect assessment" in the whole process of public policy evaluation,this paper takes into account the policy points,practical practices and the difficulty of obtaining data of financial support for small and micro enterprises in Taizhou since the establishment of small and micro financial service reform and innovation pilot zone.Two dimensions of "policy performance and policy efficiency" were selected to construct the evaluation index system of small and micro financial support policy effects under the background of Taizhou financial reform.Four second-level indicators and 25 third-level indicators were set up to evaluate the effect of small and micro financial support policy effects of Taizhou from 2015 to 2020 by combining quantitative and qualitative evaluation.The evaluation results show that the overall effect of financial support policies for small and micro enterprises in Taizhou is relatively significant,which timely echoes the demand for financial policies,financial services and financial resources under the background of Taizhou financial reform.The policy principles can maintain a high consistency with the policy orientation of the central government.However,it is inevitable to face such difficult problems as imbalance of supply and demand of credit resources,lack of initiative of some policy subjects and poor endogenous hematopoietic ability of enterprises.Based on the above evaluation results,this paper carries out theoretical analysis,and puts forward the following policy suggestions: first,promote the transformation of small and micro finance reform pilot area to demonstration area;Second,to further optimize the ecological environment of small and micro financial services;Third,to guide the formation of orderly competition market system;Fourth,the combination of industry and finance will facilitate the sound interaction between industry and finance.Fifth,promote the transformation of financial services to the digital model;Sixth,we will strengthen the cultivation and policy support of small and micro businesses.