The Study Of The Problem Of Small Business Financing Difficulties In China

Small-sized enterprises are important components of national economy in our country. They, the main force in the economy development at present and in future, take a significant part in improving industrial gross output, flourishing market, solving employment, accelerating industrial promotion and maintaining social stabilization. Their survival and progress are extensively concerned throughout the country all the time.Presently we are in the critical period of reform of the economic system. The core issue of small-sized enterprises confronted is financing difficulties which have restricted their healthy development. Although government has pushed out small-sized enterprises supporting policy constantly, commercial banks have improved the service quality to small-sized enterprises step by step; and there is a phenomenon on obvious excess issue of currency and adequate fluidity for loose currency supply from macro data analysis for about ten years, there is a greater difference between the global environments and small-sized enterprises’ wishes. The degree of satisfaction of financing to small-sized enterprises will have much room for improvement.The aim of this paper is to explore a solution on the problem of financing of small-sized enterprises in our country through comparison of developed countries and developing countries’ practical experience, and combining with present academic researching findings and my particular cases.There are seven chapters in this paper. The first chapter, introduction, is mainly to explain selected subject reason, research method, structure and academic creativity etc. The second chapter, article review, is to set forth the necessary element of small-sized enterprises according to conception of small-sized enterprises from overseas scholars and status quo of research in our academic field and to retrospect to research on financing of small-sized enterprises. The third chapter, using the experience of other countries for reference, is to depict related policies and influence on financing of United States, Germany, Britain, Japan and Taiwan. The fourth chapter, excess issue of currency analysis, illuminates excess issue of currency’s influence on enterprises’financing by currency supply, inflation rate and rate of GDP growth in recent years. The fifth chapter, financing difficulties of small-sized enterprises, parses characters of small-sized enterprises’financing, its reason of difficulties, and measures of its financing in asymmetric info-terms in macro and micro degrees. The sixth chapter, solution on financing difficulties, will have some data experiment to put forward some suggestion on government supporting and relationship credit. The last chapter is to have a conclusion for the thesis of the paper.