The Research On Finance Of SMEs In Rural Areas

Rural small and medium-sized enterprises (SMEs) have been the weak link in China's economic development. With the constant improvement of the market economy and industrial level raises, the construction and development of rural SMEs will gradually put on the agenda. The Fifth Plenary Session of the 16th Communist Party of China proposed "Construction of New Countryside ", the key is raising the income of farmers and resolving the problem of surplus labor force, and these problems are due to SMEs in rural areas. So with the feature, SMEs will become a dominant force in solving problems. It is financing and financing environment that restrict the development of rural SMEs as a bottleneck. Based on rural SMEs'own characteristics, this paper analyzes the current situation of the rural SMEs'difficulties in financing and its reasons, also draws lessons from both at home and abroad succeeding in developing SMEs, trying to explore the suitable model selection of rural SMEs and explore ways to solve its financing problems in the macro and micro measures, with a view to promoting rural SMEs development and growth of rural economy and the national economy as a whole healthy and orderly development.This dissertation falls into six parts. The first mainly deals with the background and reason of the selection of this topic. The second is basic concept of rural SMEs and it's financing, including the definition of the rural SMEs, the analysis of its financing essence, and the classification to the financing way. The third, rural SMEs' financing will be divided into outside financing and endogenous sources of financing, analyzing the current situation, pointing out that the problem of financing rural SMEs, which paves the way for concrete measures later. The fourth analyzes some effective measures for development of rural industrial in the Korean "New Village Movement" and the "Wenzhou model", and discusses the enlightenment to the development of our rural SMEs from the Cases. Combining China's actual conditions, the suitable financing model is summed up for our rural SMEs. Through above several partial analyses, the fifth proposes concrete measures to solve the problems of rural SMEs' financing. In view of it's important status in the state economy development, the paper believes that the key to improve rural SMEs' financing environment is to improve the outside and inside environment, opens up the financing channel, enhances the activity of investors, under the national policy guidance and the support of fund investments, Strive to build a diversified rural SME financing system. The sixth is the conclusion.