Hunan Rural Small And Medium Enterprise Financing Problem Research

The small and medium-sized enterprise financing difficult problem long-standing. In the2008financial crisis. small and medium-sized enterprises face the survival issue is more outstanding, affect the survival and development of SMEs financing problem is the key problem of. This text to find solutions to small and medium enterprises financing intention. emphasizes the importance of small and medium-sized enterprises in the national economic life function, elaborated do well the importance of small and medium-sized enterprises. Paper in order to put forward the question--Analysis of the problem--the way of solving the problem, introduces the small and medium-sized enterprise financing theory, summarized the present small and medium-sized enterprise especially the rural small and medium-sized enterprise financing present situation, analyzed various aspects of rural small and medium-sized enterprises financing, put forward financing two of subjective and objective factors:one is the rural small and medium enterprise system updated relatively lag, cannot adapt to the new:situation and new changes in the environment; the two is the lack of depth of the reform of the financial system, bank management idea and management mode under the new situation of the development of small and medium-sized enterprises need not very coordinated. In view of rural small and medium sized enterprises financing problem, foreign countries were summarized to solve the problems of the measures taken, put forward rural small and medium-sized enterprises’ contribution to economic growth is more and more big, must remove the obstacles for its development. In the rural the problem of financing small and medium-sized, should give full play to the government, financial institutions, private lending and the small and medium-sized enterprise square power, create a fair financing environment, perfect the guarantee system, legal system, harmonious relationship between banks and enterprises, build a variety of financing channels. Unite all forces, to the reform of the financial system and system construction as the focus, to resolve rural small and medium sized enterprises financing difficulties, promotes the countryside the development of small and medium-sized enterprises.