Research On Financing For SMEs Of Stages Of Economic "three" Overlay

The small and medium-sized enterprises play an important role in in the world economicgrowth and technical improvement. However，what inharmonious with the contribution that theseenterprises have made is that，they have always been in a weak position in obtaining the formalfinancial supports；what’s more，these enterprises can not get satisfied with the financingrequirement，which would obsess their normal production and business operation，as well as theirgrowth.This article through studies three overlay stage of economic characteristicsanalyze the possibleto the impact of financing of small and medium-sized enterprises in Chinawhich are highly pollutingenergy intensive and highly polluting enterprises and real estate enterprise loan difficulty will increase， the emerging industry affiliated companies for loan will become easier.In this paper， the superposition of economy “the three phase”superimposedstage in ourcountry small and medium-sized enterprise financing difficult problem is analyzed， from the Angle of the small business first， comb out the financing field， financial system， credit record and so on six aspects of problems; Secondly， from the perspective of banking institutions， combing out the management idea， loan status， problems existing in the lending program and so on four aspects; Finally from the perspective of mortgage， guarantee agencies， comb out problems in four aspects such as the source of funds.On this basis, taking Yanzhou as an example of empirical analysis,firstly, briefly it lists the problems of financing situation, small and medium-sized enterprises in Yanzhou district. Secondly, based on specific enterprise as an example, it sorts out listing and financing, equity financing, a license,lease financing, financing, bond financing, net credit union which the Yanzhou region enterprises selecting. Again, through takeing the questionnaire, it analyses of the issues of small and medium enterprises in Yanzhou District, which are two cards incompleted, the financing channels for SMEs slightly more narrow. Fourth, summed up the attempt and practice of financing problem of small and medium-sized enterprises in Yanzhou district on the crack, policy guidance and market-oriented combination,"live" county financial; adhere to the expansion and innovation in the field of mechanism combination, make "new" county financial; adhere to enhance the credit and risk management and control are combined, as "steady" county financial; adhere to the combination of internal training and ex ternal introduction, build financial leading personnel.Finally，this article proceed from three aspects：by way of example Yanzhou，small andmedium-sized enterprises，banks and the gortgage-guarantee institution respectively，simply analysethe difficultis that gortgage-guarantee institutions confronted with the small and medium-sizedenterprises and bring some suggestions which could alleviate the financing difficulties of theseinterprises，which means we should promote the“three in one”from the enterprise’s level：to broadenthe financing horizon：to improve the financial system，to strengthen the financing capacity；fromthe bank level，try to urge the“four inclined”：to incline the better business philosophy， lending，perfect system and financing innovation to the small and medium-sized enterprises；from thegortgage-guarantee institution’s level，to push forward the“three further”：to further expand fundingsources，to further impel the talent accumulation，and to further intensify internal management.