Causes And Countermeasures Of SME Financing Difficulties

Today the development of SMEs in various countries and regions has characteristics of "strong position and weak development", which should be the focus of economy. The so-called "strong position" refers to the particularly important strategic position of SMEs in the economic and social development of all the countries and regions. The so-called "weak development" means SMEs occupy an important position in the national economy, but their further development is restricted because of financing difficulties. SMEs are facing the crisis of the survival again because of the outbreak of the financial crisis. The financing problem of the SMEs will be cared again. This paper argues that while SMEs financing difficulties have their own reasons, but not a sound system of financial, support for SME financing gaps in the law, not in place of the SMEs financing to support policy and other macro-factors can not be ignored. Therefore, this article based on empirical data for SMEs in Taizhou City, empirical analysis, starting with the improvement of macro-financing environment for SMEs to start, improve the financial support system and the SME credit guarantee system; followed by seeking approval of an appropriate development of non-formal financial activities to broaden the financing channels for small and medium enterprises; again to SME development as the credit quality of the enterprise; the end, Taizhou City, "Sunshine credit" part of the practice of commercial banking services to SME financing to provide reference to rationalize bank credit financing channels.