China Small And Medium Enterprise Finnancing Problem Research

SMEs financing problem is a worldwide problem, is also a long-term subject.30years of reform and opening up, SMEs in China’s economic development has become an important force in the. National enterprises accounted for99.8%of total of SMEs, in the prosperous economy, promote growth, enlarge obtain employment, promote innovation plays more and more important role, but the financing has been troubled by China’s SMEs to develop the biggest obstacle.Although the government has taken a series of financial measures to improve the financing environment for SMEs, but financing problem did not get very good solve. The existing financing environment and enterprises hope to still have bigger difference, still need to be improved to meet the SMEs credit rate. Especially since the second half of2008the global financial crisis to entity economy development brings harms deepening background, problem of financing SMEs than before more outstanding, financing difficulties facing the hitherto unknown.Many countries and regions in the world special attention from the financing to support SMEs, set up a special SMEs management agencies, has formulated a series of laws and policies, in the financial, financial and other aspects of the development of SMEss to provide strong support, gained huge success, accumulated rich experience. It is also for our country to improve the development of SMEs government organization support system is provided with a plurality of options.Current our country is in the establishment of market economy system and the reform of the investment and financing system in the critical period, only relying on a certain mode of financing or financing mechanism to solve the financing difficulties of SMEs in China is very difficult. Our country SMEs financing constraints and the reality of medium and small enterprises development particularity, we need to study and solve the problem of the new breakthrough.The paper adopts the quantitative analysis and qualitative analysis, comparative analysis and historical analysis, macro analysis and micro analysis, normative analysis and empirical analysis methods, The financing dilemma of SMEs, finance, government and market immanent connection as the main line, along the theory--a comparative analysis of the financing mode of financing----the status and causes of financing difficulty of SMEs countermeasures ideas spread out discuss.For the improvement of China’s SME financing status of ideas and proposals, generally from the government, banks and SMEs in three aspects. Specifically, the current the most effective method is to improve SME credit guarantee system, set up the SMEs policy banks; the short-term goal is to reshape the relation of bank and enterprise, expand financing channels, dispersive bank system risk; of course, administer thoroughly the strategy is to enhance the SMEs own ego to gather capability.