To Our Country,the Small Enterprise Financing Difficulties Of Inquity

At present, China’s enterprises have accounted for more than99%of the total of the small, micro enterprise has become the economic and social development of the important pillars of strength. They are either from the market liveness enhancement, the tax revenue increase contribution, or for the community to create employment opportunities, and to maintain social stability plays an enormous role, attention and support small, micro enterprise development has become our country government and economic academia pays close attention to jointly is an important task. In recent years, small, micro enterprise financing difficult position by the national attention, including financial institutions to give a small, micro enterprise development support. According to statistics, as at the end of year9, the national banking financial institutions to small, micro enterprise loan balance of nearly10yuan, relatively08years grew2.4times, accounting for the national enterprises loans to29%, small, micro enterprise loan growth than the same period last year nearly10percentage points higher. However, light color loan data and not in the fundamental admiral to solve small, micro enterprise financing, capital chain is not expedite problem.Small, small enterprises financing, capital chain is not smooth exist around the world. In the United States, Europe and other developed countries, due to its market economy starts early, economic foundation, has formed the developed and active financial market, set up a perfect financial service system and the system of laws and regulations, make this one problem is not obvious. In our country current economy high speed growth environment, because of the financial service system is not perfect, the lack of supporting policies and systems support, the financial market is not standardized, the enterprise lacks competition ability, management ability and other reasons, the financing difficult problem is particularly prominent, become contain our country small, micro enterprise development the bottleneck, hinder the rapid development of China’s economy. A very direct impact to the rapid development of China’s economy. Therefore, research on China’s small, micro enterprise financing problem and put forward the corresponding countermeasures have important practical significance.This paper on China’s small, micro enterprise financing present situation and the causes of, and learn from at home and abroad in recent years to solve the problem of the advanced experience and method, combine our country’s current economic characteristics and the present situation, from the government, financial institutions, enterprises from three aspects of the application of duty, try to find out some realistic countermeasures. The first, should the government in resolving the small, micro enterprise financing difficult problem and give full play to conduct action, can be provided by the laws and regulations to protect, fiscal and tax preferential policies, the establishment of a social credit management system, public policy and to provide policy and supporting institutional support. Second, financial institutions should from innovation, micro enterprise financing mode and financing products, increase state-owned commercial bank financial system reform, perfect medium and small banking system, improve the small, small enterprise service quality, increase credit, all-round development of SMEs credit guarantee system of small, broaden micro enterprise financing mode and financing channels; third, small micro enterprises, from proceed with of oneself, establish and improve the modern enterprise system, improve enterprise management level, and enhance market competitiveness, create necessary conditions for financing. So small, micro enterprise from financing difficulties get out, continuing to grow, drive our country economy to stabilize development continuously.