Research On The Financial Problems Of Small-And-Medium-Sized Enterprises

In order to explore how to solve the problems existed in the financing of small-and-medium-sized enterprises of our country and improve financing situations on the basis of the situation of our country, this study firstly cleared the correlated conceptions,forwards the standards of scientifically defining small-and-medium-sized enterprises of our country,and synthetically analyzed the present basic theories of enterprises financing. Then this study carried our comparative analysis on international experiences of the financing of small-and-medium-sized enterprises, and positive analysis on the financing situations representatively in the small-and-medium-sized enterprises of our country. Through above-mentioned analysis,the study clarified the root reasons which caused the problems of present short funds of small-and-medium-sized enterprises are just that in the long run the enterprise financing of our country followed the single structure system of taking the government as the leading, national banks as the main body and indirect financing as the dominant part. This study analyzed the reasons causing present financing system of small-and-medium-sized enterprises from many sides which include the inner reasons of small-and-medium-sized enterprises; the outer reasons of financial environment , the financing difficulties of out-source financing of small-and-medium-sized enterprises. Aiming for the hard financing problem of small-and-medium-sized enterprises , he study put forward constituting the mufti-arrangement financing system,that is capital financing system,debt financing system,credit guaranty system,the financing system of normal finance and folk finance which are mutual supplement.Through above-mentioned financing systems,they may wider the source channels and solve the financial problems confronted by small-and-medium-sized enterprises.