| After thirty-years of reform and opening-up development, SMEs gradually become important part of entire national economy. Wether in developed countries or in developing countries, SMEs are full of vigor or vitality becaurse of small-scale, flexible mechanism and quick conversion.They play positive roles in accumulating social wealth, enrich markets, solving employment, technological innovation and matching production. The concrete features are that: (1) Development of SME is help to increasing competitiveness of production of large enterprises;(2)it's the necessary measure to prevent monpoly and maintain an appropriate economic growth;(3) it's help to solving employment-pressure-problems.Whether from national economy composition or the develop functions of SMEs,they cannot be ignored in entire national economy.But,while SMEs developed rapidly,they have serious financial difficulties.In year 2005, the added value of SMEs occupied 30.1 percent of GDP,but their aggregated loan only occupied 6.1 percent of the total loan.Lacking of financial support prevent development of SMEs.And the financial difficulty is not a peculiar phenomenon,it's universal allover the world.It put forward a practically demand to theory researchers base on current financial structure and financial environment to explain and solve SME financing difficulty.In this paper,we choose SME financing dilemma to be the study object.Base on analysing the character and cause of SME financing dilemma, we use the financing intermediation theory to solve it.Through analyzing, we draw the conclusion: developing relationship lending mode really can become a new soluation for SME to conquer the difficulty of financing during the transition period of our country economic. It also indicates we should deepen some reforms of corresponding system to ensure the effective implementation of relationship lending system, in the hope of improving the situation of SME financing. |
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