Based On Game Analysis Of Sme Financing Problems And Countermeasures

Since the reform and open policy, SME (small and medium-sized enterprise) in our country has developed vigorously. It plays an important role in promoting national economy, creating employment opportunity and so on. However, due to the current unique system, mechanism, policy and the characteristics of SME, the development of SME is facing many contradictions and problems concerning the economy, system, law and so on, which SME itself can not overcome. In these difficulties, as a worldwide problem, the issue of financing has become the prime problem, and how to break through the "bottleneck" of fund in the developing process of SEM in China has become a crucial research topic at present.First, the article defines the conception of the SME and analyzes the characteristics, the function in the national economy and the present situation of financing problem in China. The SME mainly relies on external financing and bank financing of self-financing. Moreover, the plight of bank financing in China is obvious, which is harmful to the development of SME.Second, the article constructs game models between SME and bank of the credit relation. By analyzing, the article concludes that the financing problem is mainly caused,by the imperfect social punishment-restraint mechanism and asymmetric information.Finally, according to the former analysis and current economic background, the article puts forward the reasonable proposals concerning the financing plight for SME separately in tripartite different angels: the SME itself, the banking or financial industry, the government and the external environment.