Research On Financing Problem Of Small And Medium-sized Enterprises In Zhuhai

History of economic development all over the world and current situation indicate that small and medium-sized enterprises (SME'S) are playing an irreplaceable role in the economy of one country. Specially after 21st century, SME'S once in weak tendency position all the time demonstrate outstanding vigor become the fresh combatants who promote the technological innovation and economic growth. However, from a general survey of the course of SME'S development in various countries, SME'S further development will subject to many factors, all over the world, the most prominent aspect of which is SME'S financing difficulty.We can study financing predicament problem of SME'S in effect and propose the effective countermeasure. There is extremely important meaning in promoting Zhuhai's economic and social development.The thesis is consisted of four chapters as follows:Chapter 1: Describing the difficulties in financing for SME'S in Zhuhai.Chapter 2: In Zhuhai, there are more causes influence on the financing problem of SME'S such as enterprises, banks, policy, market, mechanism, conception and so on. There are some difficulties such as: difficulty in construction on credit evaluation system, difficulty in reaching the bank's objectives, difficulty in facilitating the borrowing, lending and clearing, difficulty in communication between banks and enterprises. All the abovementioned difficulties are caused by SME'S, Chinese special banking system and the banking credit policy in some special time.Chapter 3: In order to over the obstacle of financing of SME'S, there are several important relationships which should be clarified including the relationship between big-sized enterprises and SME'S, the relationship between the internal financing and external financing of SME'S, the relationship between the governmental arrangement and commercial arrangement during SME'S financing.Chapter 4: These difficulties in financing for SME'S should be solved in several methods as follows:1,we should promote SME'S quality of one's own,strengthen the credit cultural construction,standardize and define the property rights of enterprises,strengthen the pointed information disclosure.Fostering the key competitiveness of enterprises,improve the ability to resist risk,this is the foundation of optimizing the structure of financing of SME'S;2,Strengthen government's supply of public services.Particularly, we must build the legal environment of policy which is favorable to development of SME'S,set up special policy. Related finance institutions and perfect the credit service system of SME'S.This is the condition of optimizing the structure of financing of SME'S;3,Combine the financing characteristics of SME'S,we must find the most effective financing way that can reduce transaction cost of SME'S,in order to improve its financing efficiency.From the angle of indirect financing,we should just guide the development of the folk finance rationally, structure the regional medium and small financial institution,stress the advantage of relationship financing.From...