The Study Of Financing Problems Of Small And Medium-sized Enterprises In Jilin Province

After years of development, small and medium-sized enterprises have become the major driving force for China's economic growth, but most of them have all appeared difficult in financing problem. Financial sectors in Jilin Province are not developed, financial markets institutions are not reasonable, and the finance investments of commercial banks for small and medium-sized enterprises are clearly insufficient. So, the problem of financing difficulties of small and medium-sized enterprises in Jilin Province was particularly pronounced. In the current international financial crisis environment, the study of how to solve the problem of difficulties in financing of small and medium enterprises in Jilin Province has a particularly important significance.This paper is divided into four sections. Section one introduces the concept of small and medium-sized enterprises and it's meaning in this article, provides a brief reviews of the development of small and medium-sized enterprises in Jilin Province, at last through the investigation of the financing situation of small and medium-sized enterprises in Jilin Province, we analyzed the reasons of small and medium-sized enterprises' financing difficulties.Section two gives an overview of relevant theories of financing of small and medium enterprises in Jilin Province, analyzes different sorts of financing of small and medium enterprises in Jilin Province. Base on the above studies, we sum up the models for small and medium-sized enterprises in Jilin Province.In Section three we give an example of how do The Changchun xxx Electrical Development Co., Ltd. get loans form Commercial Banks. Using this example we analysis how can commercial bank create a favorable financing environment for small and medium-sized enterprises in Jilin Province .Section four summarizes the analysis of the paper. Considering overall, financial backwardness and lack of financing channels are the main reasons of small and medium-sized enterprises' financing difficulties. However, the financial industry needs a long stage of development. Now, small-scale, operating risks and other inherent deficiencies of factors are the direct causes of small and medium-sized enterprises' financing difficulties. So, to promote small and medium-sized enterprises' financing in Jilin Province, we should be based on the current reality and the reality faced by small and medium-sized enterprises in formulating a strategy. At the same time, we should give full play to the role of banks, corporations and government to form joint efforts to solve small and medium-sized enterprises' financing problems.