Developed By The Financial Support Of Inner Mongolia, The Development Of Smes

Small and Medium Enterprises (SMEs) financing is a worldwide problem, which is faced by economic and social development of the Inner Mongolia Autonomous Region. Through combining the actual issue of Inner Mongolia, this paper has found three main reasons which are SMEs, financial institutions and institutional environment. SMEs have their own reasons, including the funds which are used poor compliance, short-term phenomenon and heavy speculative psychological problems such as credit awareness, but also have its weak response to market volatility, lower management and the quality of personnel, lack of qualified collateral and other credit capacity problem; the reason of financial institutions is the financial system which is caused by changes in financial structure, on the one hand the concept of commercial banks to merge changes in institutions, on the closing authority, to raise the threshold, to pursuit of maximum benefits, on the other hand, adapted to small and medium business credit system, management system, evaluation system has not been established or not in place, leading to emergence of SMEs financing "vacuum" to seek loans nowhere; institutional environment, mainly due to the credit agency, the lack of security agencies and can not provide credit intermediary services for SMEs; government support policies is difficult to put in place, to create synergy; SME credit in the society and facing the impression of "non-national treatment" is also restricting the availability of its financing.This paper describes the development of the theory of financial content, characteristics and formation in China, operating mode and the latest development,for the development of SMEs in Inner Mongolia on how to solve the financing difficulties of in-depth analysis, the solution ideas. That is, first, the path based on the Government to promote the SME credit market building; Second, to insist that planning in advance, support the regional economy as a whole from the start to support SME development; third of the path along the financial community to form a superposition of all superiority; Fourth, adhere to the credit construction-oriented, promote the formation of a virtuous circle financing mechanisms; Fifthly is an innovative mechanism to take the initiative to meet the financing needs of SMEs; Sixth, operational standardization, specialization, and promote efficient development of SME credit. Design of specific solutions built on the two systems to be driven, horizontal construction, "four Platform and a Association" financing system, vertical construction, "pyramid" type of secured financing system. On this basis, the business segment, designed development of SMEs financial support for seven typical pattern. That is, the "three Platform and a Association " financing model, with small and medium financial institutions of "technical assistance and loan" model, and the Development Zone administrative cooperation model silver, small business loan guarantees universal model, and village banks parent-subsidiary business collaboration model, women's entrepreneurship and small business model of micro credit loan companies "wholesale and retail" business model. Practice has proved that support the development of SMEs in Inner Mongolia create a good social effect and economic sustainability.through the typical case of development of financial support SME development of Inner Mongolia analysis that derived using the concept of development finance and credit from the start of building a market building, the use of planning in advance, the financial community, organized by letters and other principles, can achieve the government, financial, social, the organic integration of the market to overcome a series of problems of SMEs financing and promote the market economy matures, eventually building a healthy socio-economic operational mechanism for achieving sustainable development...