Develop Financial Support For Sme Financing Issues Discussed

With the reform and opening-up for recent decades, small and medium enterprises (SME) have 99.8%of the national economy through their continuous growth and development, which make them become an important force. The small and medium enterprises have played a prominent role in promoting economic development, and in solving the unemployment problem, also, they promote the innovation in science and technology. But at the same time, the financing of small and medium enterprises is a big issue for financing has become a disturbing its an important step forward. In recent years, our Government has taken a variety of financial measures to improve SME financing environment, but financing issues have not been fundamentally resolved, SME does not meet the rate is still too much improved. At present, our country has been in financing systems reform of the key period, an over reliance on the existing one way or financing mechanisms for financing arrangements for SME in financing difficulties is limited."One can not make bricks without straw." the development of SME without funding, and on SME are facing a financial environment is not optimistic, difficult financing problem has become a SME development bottlenecks. People want to encourage the development of small and medium enterprises, the growth of enterprises, it must be completed by the commercialization of financing environmental projects, to establish a clear financing channels. In recent years, after the business model innovation and talents in the government organize, the state development bank guide respects, "is" to do, and in support of small and medium enterprises financing for scored some achievements.Small and medium enterprises in development are inseparable from the money, but at this stage, the small and medium enterprises are not in an optimistic environment, financing has become a bottleneck to influence the development of SME. China wants to develop small and medium enterprises, then encourages it to become the growth-oriented enterprises, through market means complete financing environment, build barrier-free financing channels. In recent years, the China Development Bank after business model innovation, has played a full role in its governmental organizations and leading edge, it insisted on the policy of "planning first" in supporting small and medium-sized enterprises to achieve some more success.Firstly, this article describes the important role of small and medium-sized enterprises in China's development and the financing difficulties they faced, then by analyzing existing commercial bank credit to small and medium-sized enterprises; it points out that the loan due to the lack of appropriate incentive systems, commercial finance financing support initiative is not high. Secondly, through the introduction of they between the complementarily and distinctive development of the finance and commercial finance, in financing introduces development finance on its effective support. By articulating our development finance for small and medium-sized business with the typical "four-in-one" mode of operation and ongoing effective risk prevention control mechanism, reflects development finance in support of the financing aspects of comparative advantage. Thirdly, it describes foreign development finance to small and medium-sized enterprises support practices and reference. Fourthly, the article describes the China Development Bank in the financing aspects of specific three loans mode, and through success story highlights the development finance small and medium-sized loan benefits and results. Last but not least, this article analyzes some finance issues in the development and based on issues dealt with; in order to make our development finance can successfully address SME in respect of financing the bottleneck.