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

Recnt years, China's small-and-medium-sized enterprises(SME) have been developed rapidly, which not only become the Important major power to accelerate the domestic economy growing up in a quick,healthy and consistent way,but also present the strength of life power,play the more important role in terms of adjusting the structure of domestics economy,extending social employment,developing local economy,increasing the financial income,training entrepreneurs team.However,from the effective needs point of view,99% of SME are lack of sufficient loan sources less than 20%,enterprises financing issue have turn into the most bottleneck of restricting SME's existing and development.The reason that the small and medium-sized enterprises present the difficult is various,not only because of the financial system imperfection,but also the flaw of internal management mechanism of the enterprises. This study carried our compareative analysis on internationall 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 causes of the financing difficulty of the small and medium-sized enterprises,and puts forward the Countermeasures to change the status of difficult financing in small and medium-sized enterprises from different points of view of enterprises,financee organizations and government,for example:establishment of the mid-and-small bank.