A Study on Improving the Financing Environment of Small and Micro Enterprises – Based on Taizhou Model

China’s small and micro enterprises have always had the typical characteristics of “five, six, seven, eight, nine,” which are important supports to expand employment improve people’s livelihood. However, current proportion these in obtaining bank loans does not commensurate with small, medium, total economic aggregate. The financing dilemma still exists. In consideration status enterprises, this study analyzes constraints financing, such as difficulty mortgage, loans, guaranteeing. This sorts out Taizhou’s practical experience links its operation mechanism “two platforms, one fund, index.” Finally, by learning from successful experience, how utilize environment trend big data will be further discussed, so form a scalable sustainable method path. provide reference for improving enterprises.