Research On Miniature Enterprise Financing Problems

Financing is a common problem facing the domestic miniature enterprise. Thisarticle from the government to improve the financing environment point of view, tomicro enterprises in Chongqing city as the research object, analyzes the status quo andthe cause of micro enterprise financing difficulties, combined with the basic theory offinancial management, learn from foreign advanced experience, has done morecomprehensive, in-depth research on the financing problems of micro enterprise, finallyto the policy and institutional guarantee for the key, and puts forward some ideas andmethods to solve the financing problem. Firstly, this paper introduced the basic theory ofpolicy financing and the State Council and the central ministries were studied, and ageneral summary, to provide theoretical support for the possible ways to solve thefinancing problem; secondly, by sampling survey method of micro enterprises inChongqing financing status of the investigation, summarizes its assets scale is small,financing needs strong demand, but not financing mainly rely on its own funds, a highdegree of dependence on borrowing, bank loans accounted for the low proportion of totalliabilities, to apply for bank loans granted small probability characteristics; third, studiedaccording to the statistical data, and access to relevant information, analysis of MicroEnterprise financing difficult reason is formed, the internal environment and the externalenvironment the result of joint action; fourth, draw on the advanced experience ofdeveloped countries and Chongqing experience, the experience shows, policy supportand system guarantee of government is the key to solve the financing difficulty,miniature enterprise fourth, combined with China’s national conditions, the author thinksthat the policy support and system security should follow the market-oriented, efficiency,legalization, fair and sustainable development five principles, system construction shouldbe set in In the following aspects: one is to determine the special management institution,two is to improve the promotion of microenterprise development system of laws andregulations; three is to develop systems of tax preferential policies and support policy;the four is to build a multi-level, all-round services for micro enterprises financial system;the five is to improve the financing guarantee system for micro enterprises; six microenterprise credit system construction. On the basis of the above research, the authordraws the conclusion, which is dominated by the government, formulate and implementthe system of policy support and system guarantee the scientific and reasonable, so as to create good financing environment, will fundamentally to standardize enterprisemanagement, strengthen enterprise credit consciousness, rational evaluation of enterprisecredit, reduce the information asymmetry between banks and enterprises, reducing thefinancing risk, This is to solve the financing difficulty of micro enterprise developmentway.