Sme Finance To Support The Policy Of "scaffolding" Causes And Countermeasures

This text analyse the reason why finance support policy "shed" and how solve the question of " shed ". The essat can divide into six chapters . Chapter one is introduction and Chapter six is conclusion. There are key content in this essay:Chapter two analizes current situation of our country financing, existing problem and general survey of finance support of small and medium-sized enterprises.Chapter three, " shed " of Financial support Policy behavior and Influence caused. This part has analizes that" shed " financial support Policy behave and influences to enterprise, bank and society.Chapter four, small and medium-sized enterprises finance support policy reason of " shed " analysis. Firstly, this section find out the reason from the principle of economics theory, such as Financial gap theory and information asymmetry theory. And then this section make an analysis in detail from the respect of the defect existing in financial institution and un flexible managerial system of commercial bank .Furthure, the author supplement and prove this views from interest rate of our country control policy for many years, credit and guarantee and small and medium-sized enterprises.Chapter five propose the suggestion solving " shed " finance of small and medium-sized enterprises of our country support policy. This section focus on two points . one is finance idustry itself and another is government coordinate. The first part among them is a focal point of this text. Firstly, optimize our country financial support system of small and medium- sized enterprises, set up the specialized policy bank serving small and medium-sized enterprises, accelerate state-run bank reform , bulid the management system of credit, develop the medium and small financial institution energetically, secondly, we should give play to the role of automatic regulation and guiding of the interest rate lever , optimize the relevant regulation and credit assurance system, set up the reference system of small and medium-sized enterprises and standardize the credit behaviors of enterprises.