The Empirical Study Of Factors Affecting The Financing Of Small And Medium-sized Enterprises

Our country is big country of medium and small businesses, since reforming andopening, small and medium enterprises in the decentralized economic risks, screedfluctuations in the economy, deepen economic system reform, perfect market systemand market competition mechanism, play an important role. However, due to therelatively small size of small and medium-sized enterprises, operating risks, creditrating is low, the entrepreneurship and growth stage, facing many difficulties, includingthe majority of small and medium enterprises, financing difficulty is the biggestbottleneck of development.The government, bank, enterprise and social all circles have begun to actively seekto solve the problem of financing small and medium enterprises ways and measures,these studies mainly focus on the existing financing system reform and perfect, most ofthe domestic literature on small enterprise financing research and macroscopicalcountermeasure proposal more, and less from the perspective of empirical researchanalysis of. In order to make up the existing research on empirical researches, this paperuses empirical way to the small and medium-sized enterprise financing research. Thispaper follows from abstract to concrete, from theory to practice, linking theory withpractice research ideas, the use of theoretical analysis and data analysis of acombination of research methods, the "small and medium enterprise financing factors"this thesis makes a relatively thorough and detailed empirical study. The content of thispaper is mainly divided into two parts: the introduction and the main body part. The firsttwo chapters for the introduction, the first chapter mainly elaborates the purpose,significance, research present situation and the existence question, and brieflyintroduces the research ideas, methods, main contents and innovation. The secondchapter of the small and medium-sized enterprises, the financing of small andmedium-sized enterprises and other basic concept was defined, and small and mediumenterprises financing related theory are briefly reviewed. The main part of the thirdchapter to the sixth chapter chapter four. Analysis of the influencing factors of financingsmall and medium enterprises, through the construction of small and medium-sizedenterprise financing model and influence factors, with questionnaire and interviewresearch on the financing of small and medium-sized enterprises factors influencing thistheme to do the empirical analysis. Finally put forward on promoting the financing ofsmall and medium-sized enterprises research conclusion. This article mainly has the following innovations: first, to the small and medium-sized enterprise financing theorybriefly reviews. Second financing of small and medium-sized enterprises, put forwardthe concept model and using questionnaire and interview study way has carried on thetest, based on the model in, explored the influence of our country small andmedium-sized enterprise financing factors, and mainly from the small andmedium-sized enterprise ’s own point of view on how to solve the problem of financingsmall and medium enterprises gives some countermeasures and suggestions.This article through the construction of medium and small enterprises financing conceptmodel of influencing factors, not only in theory for our country small and medium-sizedenterprise financing and related factors research provides a supplement and reference,but also in practice for the small and medium-sized enterprises to solve the financingproblem provides the application basis. In general, for the small and medium-sizedenterprise financing theory and practice to make a supplement and suggestions.