A Study On The Difficulties And Countermeasures Of Small And Medium - Sized Enterprises Loan In Datong City

The Chinese economy from planned economy to a market economic system reform deepening, the small and medium-sized enterprises (smes) in a broader space, more rapid growth, but only a very low proportion of small and medium-sized enterprises can make use of financial resources, because it is difficult to raise funds, many small and medium-sized enterprises can even have a large number of profitable projects, nor could not play.Datong city in the process of economic development and reform are also in the same condition, the phenomenon of directly restricts the city’s economic development, especially in the production capacity in the process of economic transformation, the problem is particularly important, therefore, to study how to solve the problem of datong city, small and medium-sized enterprise financing difficulties, is the current small and medium-sized enterprise is difficult to get bank loans of a common phenomenon, especially long-term bank loans pressure, the economic transformation of datong city, also want to bear the ecological economy downward pressure, according to the small and medium-sized enterprise development potential and become a new growth point of the innovation of the actual situation, the key research object.This article through to small and medium-sized enterprise loan difficult problem and strategy of related literature review, with datong city as the breakthrough point, to the small and medium-sized city of datong, based on the analysis of the status quo of loans for smes from small businesses (capital demanders), the cause of the financial institutions (money supply), the financing market and the government policy on the analysis of the causes of small and medium-sized enterprise loan difficult four reasons, field investigation and the cause of the ion, at the same time in datong city first-hand information reflects the current situation and cause of the current loan difficult problem, based on the analysis of the causes of countermeasures are put forward.