Research On SME Financing Problem In Harbin

Since reform and opening, Harbin SMEs developed from scratch, from weak to mature, SMEs has become an important pillar of Harbin economic development and the impetus for the Harbin to create significant value, bringing a lot of tax revenue, providing a large number of jobs. Similar situation with the whole country, small and medium enterprises in Harbin is also in indispensable position in the whole economy. Harbin's economic development is inseparable from the contribution of SMEs. But the financing bottleneck has been troubled which is an important issue for SME development. This article is based on this background, the first concept for SMEs have been defined, and then study the development of SMEs in Harbin, the profile and status of financing, and systematic analysis of the financing problems of SMEs exists: its small and medium enterprises shortcomings and imperfections of the system, and study the process of the development of SMEs financing specific case, indicating the development of SMEs in Harbin, generally facing financial difficulties, and then use the method of comparative analysis, comparing the United States, Britain, and Japan SME financing structure, and summed up its basic features: the accumulation of small and medium enterprises to focus on their own, banks and other financial institutions for SMEs, supporting bond financing for SMEs in developed countries play an increasingly important role . End of this article from the SMEs themselves, the financial system, the government proposes to take the three angles of a series of measures to support SME financing in Harbin: Harbin SMEs to improve their own quality; financial system to increase support for SMEs; Government of Harbin create a favorable environment for SMEs. SMEs healthy, rapid and stable development of Harbin and the country also have this significance, the central and local governments have begun to realize the important role of SMEs and future development potential. Have taken some measures to foster the development of SMEs, such as in 2008, the Harbin city government in the face of the international financial crisis to take preferential policies, financial support, etc., to help SMEs through the difficulties of Harbin. Harbin Bureau actively helping small and medium enterprises and Harbin Harbin major financial institutions to help SMEs to improve from the credit, access to bank financing. Dairy Co., Ltd. Harbin cradle.