Research Of The Problems Of China's Small And Medium-sized Enterprises' Financing Through Credit

SMEs(Small and Medium-sized Enterprises) of our country are the basic motivity that develop of national economy, push the national economy development, structure market economy parts, promote the foundation power of the society stability. Current, SMEs is insuring the national economy to keep on increasing, alleviate employment pressure, flourish market, increase income, be sure the society stability, push technique creative and come into being reasonable of national economy construction, all of those aspects can not be replaced by others. But whether from our country or from the world scope, the financing difficult of SMEs for a long time is a bottleneck problem that confined their development. Comparing with west-country, this problem for the western nation is only an economic problem. But in our country, SMEs would not only meet the commonness problem the SMEs of western nation met, but also would meet some confining factors in the process of reformation of economic system and some disbennifit effect, because the financial law are not perfect. So, the financing problem SMEs met is more complicated in our country. Therefore, researching the financing problem met by SMEs has extremely important meaning for promote our country's economy and social development.This text make use of the method of economics analysis, analyzed the reasons of financing problem met by SMEs. Also analyzed the special reasons. Basic of those, I bring forward the solutions of solving the financing problem. This text is divided into five-parts. The 1^st part is introduction. Introduced the meaning of researching the financing problem of SMEs, and current researching condition and the new creative point of this text. The 2^nd Part of is the defining and the financing status of SMEs of our country. The 3^rd part is the economics analysis of SMEs. Introduced the financing theories of SMEs information dissymmetry and credit rationing theories, and use these theories to analyse the financing difficulties of SMEs. The 4^th part is the analysis of financing difficult of SMEs. The reason of financing difficult not only because of the obstacle of information dissymmetry & credit grade lower of SMEs, and so on, but also because of the disadvantageous influence caused by financing system and legal service system not perfect. The 5^th part is thinking and suggestion improving the financing of SMEs of our country. First is establishing and perfecting the credit system of SMEs; Second is improving the construction in bank crdeit market; Third is perfecting and creating credit guarantee system.