Domestic Small Micro Enterprise Financing Problems Research

Since the reform and opening up, after thirty years of development,China’s small and micro enterprises have developed and grown continually inthe wave of market economy. As the inevitable product of the commodityeconomy, the small and micro businesses of our country can continue to adapt tothe myriads of market changes, which shows a strong vitality, have occupiedhalf of China’s national economy.Small and micro enterprises play an essential role in the overalleconomic development. However, with the continued downturn in theinternational financial markets, the financing of small and micro enterprises hasbecome increasingly difficult. In recent years, domestic and foreign scholarshave been studying the financing difficulties of small and micro enterprises, andhave made great achievements. Some methods were adopted by our government;however, these scholars’ suggestions still cannot fundamentally solve thefinancing difficulties of small micro enterprises in China. In view of this,Firstly，by comparing the financing model of small and micro enterprises of theUnited States, Japan, Korea and Germany，and the tips to our country, the paperpoints out the necessity and feasibility of the financial involved in the financingof small and micro enterprises in China. Secondly, By analyzing theEvolutionary game of the financial institutions and small and micro enterprises,we came to the conclusion that financial institutions are very willing to loan tosmall and micro enterprises after the finance involved in the financing of smalland micro enterprises and in the guiding of the financial. Under the dualsupervision of the government and financial institutions, small and microenterprises are also working to upgrade their operating results，So, Whetherfinancial institutions or government and small and micro enterprises willbecome the beneficiaries. Finally, under the effective docking model of the fiscaland monetary financial of small and micro enterprises, the paper gives somesuggestions which are great help to small and micro enterprises, Such as thecultivation of high-quality project source,"N+1" credit financing model that makes a large enterprise the core so that many small and micro enterprises canloan to banks, building small and micro enterprises Foundation which is suitablefor China’s national conditions and development of small and micro enterprises，which will play a very good role in alleviating the financing difficulties of smalland micro businesses.