Studyon Private Smes In The View Of Credit Financing Rationing

Now the international economy environment has changed. It many come into being uncertainty to our country economic development , but these uncertainty will affect the production and management of private SMEs. In August 2007 the subprime mortgage crisis began to gradually appear in United States, European Union and Japan,which are the world's major financial markets. It is released by the Bureau SEMs in Guangdong province in 2009 that private SMEs in Guangdong enterprises were shut down a total of 7148 from January to September, which contain a large number of cities : 1464 Dongguan City, 956 Zhongshan City, 709 Zhuhai City, 704 Shenzhen, 587 Shanwei City, 526 Foshan City,,and 432 Chaozhou City and so on. However SMEs creation's final product and the service value is equal up to 2009 to about GDP 60%, pays the tax amount for national tax revenue total amount 50% about [54], has provided nearly 80% cities employment post, 95% are creates by the privately operated small and medium-sized enterprise .SO our country's small and medium-sized enterprise, specially the privately small and medium-sized enterprise developed the huge drawing function to our country national economy. .However, we should also know there are many self-contradictions and problems which are difficult to overcome in the development process of private SMEs . One of the key issues which constraint private SMEs development is difficulty in financing . Funds for enterprise is the indispensible factors of survival and development. If private SMEs is lack of funds , it would seriously affect the survival and development. To save the private SMEs and promote their survival and development, we must first solve the financing problem, and how to alleviate the difficult issue of SMEs financing is worthy of our attention.This total is divided into five parts, the first introduces the background and significance of topics, reviewed the literature review the financing of SMEs, defined object of study, describes the research ideas, methods and content of the arrangements, a brief description of the study of innovation Department and limitations; the second part of the development in accordance with theory leads to the theory of corporate finance has combed; third part of the status of Private SMEs in China are discussed and analyzed, some conclusions are obtained; the fourth part of the financing constraints on private SME Loan An Empirical Study of the factors; Finally, empirical analysis, from the business point of view to explore their own private SMEs new financing model, put forward some suggestions...