Sme Indirect Financing Of International Comparison And Reference,

Hard financing of small-and-medium-sized enterprises is the world difficult problem that puzzles the economic theoretical circle, business circle, and correlate departments of government in every country. In our country, this problem is more distinct because of influenced by the special historical background. In China, bank asset has occupied 80% above of total finance asset. Therefore, the author thinks that we cannot research financing of small-and-medium-sized enterprises without indirect financing from the bank. We should pay much attention to the development of small-and-medium-sized enterprise in China and all over the world. The aim of writing this article is to make a comparatively systematic analysis of foreign experience, explore the developing approach of Chinese small-and-medium-sized enterprise, research how to solve the problems existed in the financing of small-and-medium-sized enterprise and improve financing situations on the basis of the situation of our country.This article includes three parts. The article firstly carried out comparative analysis on international experience of the financing of small-and-medium-sized enterprise. From the foreign experience, financing of small-and-medium-sized enterprise relies on the multi-arrangement and multilateral financing system. Under the great environment of market economy every country constantly consummates the environment constructs in policies, laws, codes, finance services, loan assurance, specialized poverty right dealing system and social assistant system. According to the comparative analysis on international experiences of the financing of small-and-medium-sized enterprise, in second part, the author put forward three feasible suggestions: perfecting policies, laws andcodes, providing overall finance services and developing loan assurance organization.Finally, the author points out her opinion: Today, Chinese capital market urgently needs to be fostered and perfected, then indirect financing is still main way for small-and-medium-sized enterprise. Environment constructs still needs consummation in policies, laws, codes, finance services and loan assurance. At the same time, developing small-and-medium-sized enterprise system, enterpriser diathesis, global economy and WTO all can impact enterprise financing environment.