Research On Small And Medium-sized Enterprises Financing

At present, Small and Medium-sized Enterprises (SMEs) have already become the important newly-born combatants in China's social and economic activity. It has showed the important role in China's economy. Small and Medium-sized Enterprises have wide development space in the future.It is a good way to help them and launch various kinds of financing activities, structure modern financial service system for the development of Small and Medium-sized Enterprises, create the smooth and high-efficient financing channel in order to improve the financial service level and promote the development of Small and Medium-sized Enterprises, promote industry's level, activate the competition mechanism of the market and innovative mechanism. In addition, it's an effective way to promote industrial structure adjustment and realize passing the continual, fast and healthy development of national economy. But Small and Medium-sized Enterprises financing market in China attach to status form distinct contrast compared with their enormous contribution to economical operation, there are many aspects such as one's own and external environment condition etc. It includes One's own quality is bad, the financing channel is not smooth, financing structure out-of-balance, financing cost high a series of financing difficult problem which commit bottle strength restrict to Chinese further development of Small and Medium-sized Enterprises already..This text starts from the concept intension of Small and Medium-sized Enterprises and important function in national economy of Small and Medium-sized Enterprises. We will explain the state of development of Chinese Small and Medium-sized Enterprises at present and will analyze the bottle strength, problems and difficulty faced in financing of Small and Medium-sized Enterprises of the present stage emphatically. It includes domestic and foreign factor. For instance,management and administration are not good, little benefit, bad credit consciousness, poor financing ability, financial limitation and financial market development of system lag behind etc. And then, after analyzing the financing question of Small and Medium-sized Enterprises of our country combine the present international practice method and advanced experience. In this text, it's from strengthening one's own quality of Small and Medium-sized Enterprises mainly and establishing the system of perfecting the bank, perfect intermediary service system, building and changing government's function so that we will solve the financing problems. At last, the text discusses the settlement to the financing problems according to the practices of Chengdu government and banks and credit guarantee company. Only inside of Small and Medium-sized Enterprises and external environment condition are improved, and seek the outlet, the Small and Medium-sized Enterprises of China could get greater and better development.