The Township Small And Micro Enterprises Financing Difficulties And Countermeasures

After years of development of township small micro enterprise, the percentage of productional value and the tax amount in the national economy has more than50percent, It has consummate the China’s socialist economic system and greatly enriched our country people’s material and cultural life, It has become the national economy healthy and harmonious development of an important economic power and social power. But, the township small micro enterprises is belongs to the vulnerable groups in China’s economic system. It has generally meet with "scale discrimination" and "ownership discrimination". At present the biggest problem of towns small micro enterprise development is financing problems, the shortage of funds directly affect the small micro enterprise survival, bound the small micro enterprise’s development.This paper first introduces the township small micro enterprise financing background and significance, and points out the development of our country small micro enterprise has strategic necessity. Studying the township small micro enterprise financing problem has theoretical and practical significance. Then this paper researches and summary the financing research achievement domestic and overseas, understand the current progress in the research of this field. The second part has definite the concept of towns small micro enterprise financing related, and points out that the township small micro enterprise is based on villages, towns and rural areas, give priority to the modern enterprise production mode, has the modern professional division of labor cooperation, independent operation, independent accounting for profits and losses, It is engage in the commercial production and service of small economic organizations. Meanwhile, this paper has briefed the enterprise financing theories, basically have the information asymmetry theory, MM theory and etc. for follow-up study to lay a theoretical basis. The third and the fourth part have descript the financing present situation of our country villages and towns small micro enterprise, and analyze the causes from the macro and micro level. Then discusses the financing mechanism of small micro enterprise, so as to better improve township small micro enterprise financing difficult problem. The fifth part is as an example of the township small micro enterprise in Anhui province, analyze the company’s financing present situation and put forward the concrete countermeasures of financing. At last, it puts forward the optimization countermeasures and suggestions of township small micro enterprise financing mechanism.