The Difficult And The Countermeasure Research For The Small And Medium-sized Enterprise Finances In China

The small and medium-sized enterprise is the cornerstone of big enterprise development, is the most active main body in the global economic. Looking back for the development of the global economic, the development of the small and medium-sized enterprise, not only infuses the vigor for the Western developed country, but also enormous impetus developing country's economic development. To our country, from the 1980s until now, the small and medium-sized enterprise is becoming from weak to strong. And the social economy which evolved into coexisting of diversified economy forms from infancy and maturity, is developing quickly as non-private economy as main body. The development of the small and medium-sized enterprise becomes the important component in our national economy, and the new point of growth in our social productive forces. Which playing more and more vital role in guaranteeing our national economy moderate increase, alleviating employment pressure, realizing the technological innovation, and transforming outmoded habit and custom aspect.But, along with the development of the small and medium-sized enterprise, the difficult of finances is getting more and more prominent. Many small and medium-sized enterprises developed into the certain scale, the financing gap also correspondingly increase, must with the aid of the outside fund support, if does not have the prompt fund to pour into, the enterprise will halt, and what is more will deteriorate day by day, therefore the difficult of finance become the bottleneck which restricts the development of the small and medium-sized enterprise. Therefore the study for the financing question of the Small and medium-sized enterprise in our country has the vital practical significance and the pressing. Many domestic and foreign experts and the scholar carried on the diagnosis from the different stratification plane, the research had indicated that financing difficult has restricted the development of the small and medium-sized enterprise enormously. Following with the development of the small and medium-sized enterprise, external environment's rapid change, the original financing pattern has not been able to meet enterprise's needs, like without promptly adjusting, developing financing channel, is very difficult to get rid of defeat's misfortune. Finances'difficulty for the Small and medium-sized enterprise in our country mainly display as:the financing channel is narrow, the financing way is limited and the financial organ's support is not enough to the small and medium-sized enterprise, and so on. Its reason mainly lies in:The small and medium-sized enterprise own credit's flaw, the bank system imperfect, capital market's restraint insufficient as well as the exterior credit system is not perfect with the government supervisory service dynamics. This article in the introduction overseas solution small and medium-sized enterprise financing question's empirical base, analyzed has conformed to our country national condition key to the situation, namely promotion enterprise's own quality; Expands the financing channel; Perfect government function; Constructs small and medium-sized enterprise financing exterior credit system; Proposes the construction multiplication financing way. Enables it to act according to the enterprise development the inside and outside environment breakthrough financing difficult position, realizes it to do strongly does makes the long-term development targets greatly.