Shandong Medium And Small Private Enterprise Financing Difficulty And Countermeasure Research

Private enterprises in Shandong Province as an important force in the national economy, in absorbing labor force, the development of new products and promote the development of the national economy plays a very important role. However, private enterprises in the rapid development at the same time, because of their own shortcomings and external environment and other factors, the development also encountered many problems, especially the outstanding problem is the financing difficulty. Most private enterprises for small and medium-sized enterprises, the financing difficult problem is particularly prominent. Financing problems of small and medium-sized private enterprises has become the "bottleneck" of the development, so how to solve this problem has become the key to promote the development of private economy.Financing is small and medium private enterprises to develop and grow the main obstacle, in order to solve this problem we must be combined with the actual situation of Shandong area, find out the region led to small private enterprise financing difficult practical reason. Only in this way, can we targeted cleaning enterprises financing obstacle, continue to broaden the financing channels and abundant financing way, so as to fundamentally change the Shandong small private enterprise financing difficult situation.This article from the private enterprise financing problem oriented, using qualitative analysis, quantitative analysis, comparative analysis and other research methods, combined with the actual situation of Shandong area, use the financing of small and medium-sized enterprises related to classic theory and research results, the region and predicament of financing of civilian battalion industry current situation undertook detailed analysis, then the financing difficulties arise the reason undertook thorough ground studies, finally points out the crux of the problem and proposed solutions.From the enterprise financing process and the mode of financing, asymmetric theory and enterprise financing, credit rationing and the enterprise financing from three aspects, this paper discusses the small and medium-sized private enterprises encountered financing difficulties and solutions of theoretical interpretation, as the studies provide a theoretical analysis framework. Overview of small and medium-sized private enterprises in Shandong area present situation, this paper points out their endogenous financing and exogenous financing restriction conditions, that direct financing difficulty is too great, the high cost of financing led to popular folk credit.In the Shandong region of small and medium-sized private enterprises financing difficulty for a tentative interpretation, this paper put forward targeted solutions. This article from the financial environment, financial system, enterprise oneself three angle, inspected the area of small and medium-sized private enterprises financing difficulties encountered many reasons. This article from the government, bank, enterprise itself in three aspects, try to solve many problems in front to reveal. Settlement of the Shandong area medium and small private enterprise financing difficult problem, not simply to explore how to find the funds problem, it needs from business environment, market competition mechanism, the efficiency of resource allocation and other aspects of comprehensive consideration. The article thinks, perfect the market economy system, eliminate the discrimination of system of ownership, deepen financial system innovation, is the solution to Shandong area medium and small private enterprise financing difficulty in the climate. Small and medium-sized private enterprises themselves, also should improve their own quality, to expand the exogenous financing ability at the same time, enhance the endogenous financing ability, the financing of small and medium-sized enterprises focus.This article has the following innovation:1 this paper is in the background of economic crisis and our country in the interest rate hike, continued to increase commercial bank reserve ratio, amount of credit to control monetary policy environment, the financing of medium and small private enterprise research, this time makes the article has very strong timeliness, the small and medium-sized enterprises have strong reference.2 in this paper, the financing of small and medium-sized enterprises is analyzed from multiple perspectives, and puts forward the corresponding solutions.3, this paper focuses on the small and medium-sized financial institutions in the small and medium-sized private enterprise to finance the difficult role.