Study On Government Supervision Of Small And Micro Credit Business Of Commercial Banks In ZJ City

Small and micro enterprises are the main force of job creation and play an important role in promoting economic growth and stabilizing employment,this is This paper takes the supervision of small and micro credit business of commercial banks in ZJ City as the entry point,interviews and issues questionnaires with three different subjects: the staff of regulatory department,bank credit personnel and small and micro enterprises,and summarizes the current situation of the supervision of small and micro credit of commercial banks by the regulatory department in ZJ City.And through the public interest theory,service-oriented government theory and government regulation theory to analyze the existing problems in supervision and management:First,the invisible barriers of commercial banks’ small and micro credit business still exist;Second,the initiative of regulatory personnel to implement regulatory policies is not high;Third,the powers of higher regulatory bodies are not delegated enough.In-depth study of its reasons,mainly lies in the following aspects:first,the concept of supervision lag;Second,the supervision system and mechanism is not perfect,including imperfect laws and regulations and the lack of coordination mechanism between the supervision department and the local government;Third,the way of supervision and assessment is not scientific;Fourth,insufficient input of supervision resources,including the lack of material resources and human resources;Fifth,the construction of the supporting system required for supervision is not in place.To this end,this paper puts forward the following countermeasures and suggestions: first,change the idea of supervision,including promoting the construction of service-oriented supervision and guiding commercial banks to improve their autonomy;Second,improve the regulatory system and mechanism,including improving the legal regulatory system and strengthening the cooperation mechanism between regulatory departments and local governments;Third,optimize the design of supervision and assessment,including optimizing the internal supervision and assessment methods,reshaping the external supervision and assessment methods and creating differentiated supervision and assessment methods;Fourth,increase the input of regulatory resources,including accelerating the optimization of human resources and strengthening the complementary resources between regulatory departments and local government departments;Fifth,strengthen the construction of supporting regulatory system,including improving the construction of small and micro enterprises credit mechanism,the establishment of small and micro credit risk compensation mechanism and the cultivation of small and micro credit intermediary service system.especially true in the current policy context of seeking progress while maintaining stability.However,it is difficult and expensive for small and micro enterprises to obtain financing.Therefore,the Central Committee of the CPC Central Committee and The State Council have successively issued policies,requiring the government regulatory departments represented by the China Banking and Insurance Regulatory Commission to continuously strengthen the supervision over the small and micro credit business of commercial banks,and guiding commercial banks to inject more financial vitality into the development of small and micro enterprises.ZJ City’s local industrial base is weak,high-quality large enterprises are relatively lacking,and small and micro enterprises occupy the dominant position of economic forms.Its development status is typical and representative in the whole country to a certain extent.Optimizing government supervision to better serve the development of small and micro enterprises is of great significance for promoting local social employment and local economic development.At the same time,it can provide necessary reference for similar research in other areas.