The Financing Problems And Countermeasures Of Small And Medium-sized Enterprises

With the great performance on creating social wealth, solving the problem of employment and increasing the export revenue and tax income, the small and medium enterprises have become a brilliant spot of Chinese economic development and received general concern. Since reform and opening-up, Chinese small and medium enterprises have enjoyed great development. After the implementation of the 36 non-public economy published by the State Council, development bottleneck of SMEs became financing instead of the limit access. The development of SMES has been limited by funding constraints and other factors. Financing constraints have become small and medium-sized key factor in economic development.Lacking of operating funds, the financing channels for small and medium enterprises have been plaguing poor. Finance plight of the formation of a long-term process. Not only have the institutional arrangements, their own weaknesses also restricted the financing size and channels. In the premise of credit system not very sound, the preference and the ideas to avoid risk of the state-owned commercial banks and other financial institutions in credit limit the financing of SMEs further more. Building a good credit environment, supporting small and medium enterprises'needs from the policy and institutional level to ease cash flow pressure will play a substantive role in promoting.In this paper, with the specific status of the development of SMEs Gaotang county and financing and financing barriers to break through, the author will analyze why so difficult to finance from SME's own quality, financing, capital markets, the system of indirect financing and direct financing system .In financing small and medium enterprises to explore ways to solve the problem, this paper learns a number of foreign advanced management methods and concepts ,beginning with the construction of the legal environment for the respective security system, credit system construction, multi-channel multi-level capital market to explore the construction of the final according to the actual situation of SMEs, in urging the Government to support SME development in many ways, to supply more innovative financial products, to build on the government, financial institutions, small and medium enterprises financing three-in-one platform for the exploration.