Analyze Financing Service Rural Credit Cooperative Giving To Small And Medium-sized Enterprises

In recent years, Chinese economy develop rapidly, the contribution of medium sized and small enterprises is tremendous. They play a key role in employment, revenue, innovation, GDP and so on, and become a fatal part of national economy. With its development, it needs interior and external capital. However, the financing exist so many problems that it gain capital difficulty, which is a developmental bottleneck of it.Medium-sized and small enterprises of many nations exist the difficulty of financing, but because of different economy, mark, laws and regulations, the conditions are different. Facing the problem of difficulty financing, we must analyze the reasons and make rational measures to solve it. In china, the reasons of medium-sized and small enterprises financing difficulty are various. Firstly, small scale, unstable condition, nonstandard managing and covert are characters of medium-sized and small enterprises. Secondly, system of bank, capital market and system of guarantee don’t accord with the development of medium-sized and small enterprises. Thirdly, incomplete laws and regulations also one of the reasons.Rural credit cooperative always thinks it as themselves responsibility serving for agriculture, villages and peasants. However, with the developing of economy, medium-sized and small enterprises play a more role in economy developing of county. Serving for medium-sized and small enterprises and economy of county become new work emphasis of rural credit cooperative.In county, rural credit cooperative support deep the developing of medium-sized and small enterprises, become the main financing method of medium-sized and small enterprises, and play a giant role in financing of medium-sized and small enterprises. But because of limited load capacity, laggard managing method, and weak ability resisting risk, medium-sized and small enterprises load of rural credit cooperative exit many problems. This paper includes six parts. The first part introduces the background and method of researching. The second part presents channel and current situation of financing of medium-sized and small enterprises, and analyses that incomplete bank system is the one of reasons resulting in financing of medium-sized and small enterprises difficult. The third part elaborates financing service rural credit cooperative giving to medium-sized and small enterprises, and analyses the characteristics of medium-sized and small enterprises financing in county. The fourth part analyses the relationship between rural credit cooperative and the financing of medium-sized and small enterprises and the current situation. The fifth part takes A rural credit cooperative for example, analyses the experience of A rural credit cooperative about medium-sized and small enterprises loan,and the problem.The sixth part researches the solution improving medium-sized and small enterprises loan of rural credit cooperative.The seventh part summarizes this paper.