Research About Small Business Finance Of China

With reform of the economic structure is developing in-depth, the problem of Chinese small business finance has aroused more and more discuss and great concern, two things account for the occurrence: on the one hand, the development of small business has become motive force of sustaining national economic sustained growth, even has become important foundation of society stability; on the other hand, the further development of small firm is landing oneself in more and more serious predicament, especially the question of finance difficulty has become the most impediment to fetter small firm growth.Now Chinese economy is in the system transform and structure adjustment period, the problem of small firm finance in more complicated, in order to resolve the problem, we must analyze and study the profound reason of small firm finance difficulty. The article holds that small firm finance difficulty mainly lies in three sides: for one side, small firm itself exists many drawbacks, such as assets flimsy, operation risk high, finance system imperfect, credit awareness and credit ability insufficient, these drawbacks directly lead to small firm finance predicament; for second side, the extant banking system imperfect and system supply insufficient are incompatible with the capital demand of small firm; for third side, the long-term economy of production and finance polity ignore or maybe pay no attention to small firm demand in capital, which make the problem accumulate over a long period and more and more serious.According to the analyze and study in the profound reason of small firm finance difficulty, According to the compare and draw lessons from other countries and areas, the article holds that the urgent matter and effective outlet to resolve small firm finance difficulty rest with three sides: the first, enhance small firm inherent finance ability; the second, improve small firm indirect finance system; the third, improve small firm capital market system.