Study On Small And Medium-Sized Enterprises Financing Problem Of Chinese Mainland

SMEs act an important role in national economy process, the development of SMEs has directly affect on the social employment, profit margin, sales, property growth and so on. In the present stage, the development of small and medium-sized enterprise still has many difficulties, the most important of which is fund shortage when failing to obtain financing promptly. This article first clarifies the definition of the small and medium-sized enterprise and the present situation, followed by the analysis of the opportunities and survival difficulties through collecting the data about main financing methods and combining with policy support and new financial products. Finally it finds out the shortage of SME which needs to be improved. What helps to form difficulties in financing includes uncompleted information of SMEs, low industry-level, poorly managed and less effective mortgage assets, credit and operational awareness and poor compliance. Government and the banks'support on financing are far from enough, and meanwhile more stringent environmental as well as other issues hinder the development of SMEs and high-tech.Taking all into account, the proposed three ways to improve SMEs financing are first to improve the financing of SMEs based on their own and strengthen its financing capacity. Second, optimizing the small-business finance market, to create a moderately easy financing environment. Third, to improve the government financing policies for SMEs and bank lending conditions. In conclusion, it points out the shortcomings.