Quanzhou Sme Financing Problem

Since reform and opening up, after considerable development the small and medium-sized enterprise has already become an important part of the national economy, our country economy sustained and rapid development of the source of power. Small and medium-sized enterprises is the important power for bustling economy. Promoting economic development, supporting and promoting the small and medium-sized enterprise rapid development is the main force of the national economy development strategy which is one of the important link. But in the source of funding required to obtain development on its national economy, it is difficult to matching its important status, financing difficulties of small and medium-sized enterprises, are restricted, especially small and medium-sized enterprise development bottleneck. Currently one of the important factors which constraint development is lacking of money funds for small and medium-sized enterprises and lacking the demand characteristic of financing. How to financing innovation for small and medium-sized enterprise has become the same issue during the government, enterprises and scholars.In solving financing difficulties of Quanzhou small and medium-sized enterprises, general ideas ask to need improving capital market structure, broaden the financing channels, directly increase government support, strengthen credit guarantee agencies establishing and encourage private financing of measures. But most of Quanzhou small and medium-sized enterprise belong to labor-intensive, they are relying on indirect financing the financing channels of financial institutions to loans. Based on the present situation, based on the cause of the financing mode and the bank loan mode, combining presents innovative enterprise, government and bank three factors, the corresponding countermeasures, try to solve the difficulty in financing difficulty, for the development of small and medium-sized enterprises in quanzhou, thereby better seeks for Quanzhou national economic.