December 2022, small business owners have faced problems of employment’s deterioration, decrease in household income, and tightening operating funds due to the re-proliferation of COVID-19 and the economic slowdown that came with interest rate hikes. Article 123 of the Constitution stipulated the fostering of SMEs, etc., and provided a more direct constitutional basis for the protection and support of SMEs. In addition, the enactment of the 「Framework Act on Small and Medium Enterprises」 enabled systematic support for small and medium-sized enterprises. Subsequently, the details of support projects for small business start-ups and management stability and growth of small business owners were determined through the「Act on the Protection of and Support for Micro Enterprises」. Through the ⸢Framework Act on Micro Enterprises」, which was enacted in 2020, the legal status and rights of small business owners were guaranteed by viewing the small business area as an independent field of economic policy. Since then, some amendments to small business funding projects, some amendments to support small business damage, and some amendments to establish small business financial integration support centers have been pending in the National Assembly. The tendency of legislation is that specific and effective legislation such as funding policies to support small business owners is being emphasized. As a result of this study, it was found that the types of public financial support are diversifying in general small business policies. In particular, small business owners found that the policy of delaying or extending the maturity of loans was useful, making it difficult to come up with a soft landing plan for debt, such as the conversion of low-interest loans. Loans from small business owners have high barriers under the current evaluation system. Accordingly, it was found that an scoring system that considers various factors such as industry, sales, and management situation for small business owners is needed by applying the individual credit scoring system.