Innovation-research On Financing Mode Of SME

The SME(small and medium-sized enterprise) is an important part of our economy, it plays a huge role in China’s economic development and social stability. Especially since the reform and opening up, the SME activate market competition and increase market efficiency, it is an important way to solve the employment problem in our country at the present stage, plays an important role in the stability of sociery.SME have become a major force in promoting the national economy and the development of regional economy,as the most dynamic economic growth in the composition.However, due to the resist risks ability of small and medium-sized enterprises is low and the production management is not standardized, also the causes of the financial system, small and medium-sized enterprises have been facing financing difficulties till now. So the government has taken many measures, including fiscal subsidies, support in loans and risk investment etc..But in practice, because of various reasons, the effect of these measures is not idealUnder such background, this article will make in-depth analysis of current situation, characteristics and path choice of the SME in our country small and medium-sized enterprise. Analysis of the reason of financing difficulties by summarize the domestic and foreign research results of related literature,. and based on the actual, we will suggest a effective model to improve SME financing efficiency, in order to provide a reliable and efficient method to solve the financing difficulties problems.The article presents a innovation view is start SME financing platform to solve the topic effectively,Primary actor of Financing platform including government, financial institutions, guarantee agencies and the SME who need the financing.The platform based on the integration of existing resources, Integrate strength of government and market to solve the financing difficulty of SME, break through the limitations of relying solely on government and market regulation, To achieve a win-win situation. This paper makes a deep analysis on the platform of the government, banks, guarantee agencies and small and medium-sized enterprises the main parties with mutual cooperation from the perspective of.