The Discussion To "Finance+Service" Enterprise Financial Service Mode Of Zhejiang Province

Small and medium-sized enterprises are important components of a national economy, which also are a national economic prosperity and dynamic symbol. Small and medium-sized enterprises in a country’s social stability, innovation of science and technology, employment, finance revenue play a decisive role. But due to the imperfection of China’s financial, legal and other aspects of the system and policy, coupled with the small and medium-sized enterprises self-problem, small and medium-sized enterprises of our country encounter development " bottleneck ", which are embodied in the financing of small and medium-sized enterprises.Zhejiang that economy there is the most active one in China also face salient troubles about SME financing problems. Based on the current situation of the development of Zhejiang small and medium enterprises research we find that many small-size firms can’t get the money they need for growth because of their own defective management situation and shocks from macroeconomic fluctuations. Furthermore, the Zhejiang small and medium-sized enterprise are in a strategic transformation and industrial upgrading period. So how to seize this good opportunities for development, and make enterprises bigger and stronger is a a serious challenge for all the Zhejiang SMEs. However the financing problem may become their the obstacle.This paper analyzes present financing situation of Zhejiang small and medium enterprises and creatively proposes a new financial service mode named the " financing+service " of small and medium-sized enterprises. The character of this new financing mode is that it puts each subject and stage of the financing process into the financial service system and straighten out the relationship between each main body by setting up service management company and Enterprise Regional Association. Besides, new mode will provide value added services, from hard power and soft power two respects to promote long-term development of SMEs.The innovation of this paper lies in proposes the personalized, targeted and specialized SMEs financing solution for Zhejiang province. What’s more our new mode can help enterprises to comprehensively improve the overall quality and during the service process it strictly control the risks and manage fund pool, joint financial institutions so that it can full use of financial leverage effect and make the maximum effect.