Research Xuchang Small And Medium Enterprises Difficulty In Obtaining Loans

Small and medium-sized enterprises in developing the national economy occupies a very important position, to speed up the development of small and medium-sized enterprises for building a well-off society in an all-round way has a very positive role. At present, small and medium-sized enterprise loan difficult problem has deeply affected the socialist economic construction in our country, affecting the rapid development of social coordination, and restricted the development and expansion of enterprises. Small and medium-sized enterprise loan difficult problem mainly in three aspects, one is a bank, one is the enterprise, is a government, solve the problem of small and medium-sized enterprise loans difficult to "Banks, enterprises and government" three parties work together, is not possible to radically solve a major problem in the process of socialist development.Based on field investigation, comparative analysis, case analysis and other methods, the authors of small and medium-sized enterprise loan difficult problem were studied. First, the paper discusses the present situation of small and medium-sized enterprise loan difficult problem in our region, summed up the small amount of credit, credit problems, the high borrowing costs mainly present situation question, and detailed analysis. Second, the cause of the formation of small and medium-sized enterprise loan difficult problem to carry on the deep analysis, mainly includes two parts:insufficient attention bank for small and medium-sized enterprise credit, enterprise own management is not standard. The manifestation of bank credit for small and medium-sized enterprises seriously enough in the small and medium-sized enterprise credit supply is insufficient, the business process is not reasonable, no suitable evaluation system, did not suit the product of small and medium-sized enterprises four parts; Enterprise itself insufficient standard management is mainly embodied in the internal governance is not perfect, imperfect financial system, the lack of effective guarantee from three aspects. Comprehensive these reasons, led to the authors together the formation of small and medium-sized enterprise loan difficult problem. Finally, the paper summarizes the analysis of reasons, combined with the enterprise features and characteristics of urban development in the region, for small and medium-sized enterprise loan difficult problem put forward a series of policy measures. By encouraging large commercial Banks to strengthen the small and medium-sized enterprise credit supply, and to establish suitable credit evaluation system in the region, reduces the barriers to entry of small and medium-sized enterprises in this region, also reduce the difficulty of small and medium-sized enterprise loans. By developing the appropriate credit products, not only in the financiers to face enterprises help, on mortgage assets appraisal should be compatible with the enterprise, also can broaden the enterprise loan threshold. Through the government to encourage small and medium-sized enterprises loans, make policy support to small and medium-sized enterprises can have more and better in. Through the establishment of guarantee system of small and medium-sized enterprises, effectively improve the problem of shortage of small and medium-sized enterprise loan, loan for the enterprise to provide effective mortgage. Through develop the local commercial Banks, the use of local advantages, better for the local suburban county provide effective lending support small and medium-sized enterprises in particular. By strengthening the standardization of small and medium-sized enterprise internal management, make the small and medium-sized enterprises from the internal improve enterprise quality, solve their own loan difficult problem.