The Analysis On Financing Problem Of Sme Of Less Developed Area

Financing difficulties for SME, SME financing situation of less developed regions are more difficult. In practice, small and medium enterprises as the most underdeveloped areas in the vitality of the national economy"strong group", it has supported and promoted economic growth of underdeveloped areas. To meet consumer demand, to absorb urban employment, to increase local revenue, to optimize the industrial upgrades, to advance scientific and technological innovation, to maintain social stability, and to promote the coordinated development of regional economy has played an irreplaceable and important role. Consequently, its importance has improved significantly. But relative to the role of SME to economic development is concerned, financing difficulties of SME in the economic position is extremely non-match. Compared with the developed areas, endogenous financing of small and medium enterprises of less developed regions are relatively limited, financing channels for exogenous are poor; the narrow channels of indirect financing, direct financing of the higher threshold and so on, and because the financial system reform lags behind economic reform, so that less developed areas of financial development lags behind economic development, financial structure lags behind the economic structure. Coupled with less developed areas, small and medium enterprises by the severe impact of the scale, efficiency, credit constraints and external factors, the shortage of funds and financing constraints have become SME development Bottleneck of less developed regional, thereby become the shackles of economic development of less developed areas. In fact, the attention and support development of SME is the inevitable choice which to promote economic development in less developed areas, but also speed up the transformation of economic development mode, optimize the industrial structure adjustment and upgrade to achieve fast economic development in strategic decisions. Since 2008, has been in the international financial crisis, especially in the crisis spreading from the real economy, the SME in the survival and development are facing enormous challenges, whether in a crisis has withstood severe tests in order to develop and grow, The problem is particularly urgent and important that solve the financing difficulties of SME. At present, with the view from abroad and with regard to SME financing problem studies, mostly the research objects bases on SME in developed countries and regions, which concluded the decline of China's practical guidance; from the national level, research is also the main from the background of the national, SME financing problems and countermeasures proceed provincially from the micro and macro level, however, the financing issue of SME of the less developed regions the few empirical studies. Based on this, from the empirical study in the problem of financing small and medium enterprises of the less developed regions, has the double meaning of theory and practice. Therefore, it is necessary to systematically study the less developed regions about innovation of SME financing system and mechanism, in order to build a financial ecological environment, to build less-developed areas in line with the needs of SME financing system of financial support, financing and guarantee system, to provide multi-level, full - location for financial services, to accelerate the healthy development of small and medium enterprises and promote the regional economic-round, coordinated and sustainable development.This article seeks to basing on the present research results, the difficulties of financing SME of less developed areas are in the center of research subject that taken Zhangjiakou and Chengde of Hebei Province as the sample of empirical research. With the combining method of the qualitative analysis and quantitative analysis, normative analysis and empirical analysis, questionnaire surveys and field interviews, and the financing environment for SME, financing channels, financing methods and financing structures of the less developed regions exist system analysis of the new contradictions and new problems. A comprehensive summary of financing difficulties of small and medium enterprises from the less developed regions, and the government, financial institutions, SME themselves, credit guarantee institutions, are analyzed the main causes of the financing difficulties of SME in less developed regions, as to explore solutions to the difficult reality of SME financing path of the less developed regions. Finally, basing on the experience and successful practice of foreign financing of SME in less developed areas and the developed province, tentatively proposes to ease financing difficulties of SME in less developed regions.