Study On The Financial Problems Of Small And Micro-enterprises In Counties

Financing difficulty has always been a major obstacle to restrict county smallbusiness development，even to survival.Especially in recent years，under the influenceof the global financial crisis，repeatedly raised interest rates and reserve ratios by theBank， the small micro-enterprise’s production and management activities were badlyhit. How to fix poor County financing channel of small and micro-enterprises，a singlemode of financing，especially in the county’s economy，small business a long-termfunding shortfall，is an important issue with strong practical and theoretical researchvalue.This article adopts the research methods of normative analysis and empiricalanalysis，based on the financing of small and micro businesses on the basis oftheoretical research，the present situation and the reasons for the financing difficultyof small and micro businesses analysis，combined with the city of Zhaodong， thecounty of Heilongjiang Province，small and micro businesses financing of theempirical research， from the small and micro businesses to meet the financing needsof experience at home and abroad， from the government，commercial banks andsmall and micro businesses themselves are put forward to solve the small microenterprise financing difficulties of countermeasures， to provide reference forgovernment decision-making departments to solve the financing problem of small andmicro businesses.First，explains the reasons of the financing difficulties of the small microenterprise internal and external reasons. From the internal perspective，the countysmall and micro businesses financing scale is small，the economic benefit is not high，the unit cost of financing，especially the credit level is low，lack of collateralapproved， the county small and micro businesses financing more difficult. From external causes，the unbalanced financial structure，the construction of credit systemis not mature，asymmetric information and other factors are the basic reasons of thefinancing difficulties of small and micro businesses.Secondly， in Zhaodong city of Heilongjiang Province as an example， analyzesthe financing difficulties of small and micro businesses is the result of many factors ofthe economic environment， small and micro businesses own idea， service ability offinancial institutions. Therefore， to solve the financing problem of small and microbusinesses， government departments need to co-ordinate the planning， integrationof all strength， balance of interest， put forward the feasible implementation plan.Third，analyzes the successful experience in solving the financing problem ofsmall and micro businesses at home and abroad，pointed out that a sound legal systemand the difference between the policy protection，comprehensive government servicemanagement system，improve the financial infrastructure， advanced micro finance isthe financing problem of small and micro businesses can get better solutions forseveral main factors.Finally， put forward to solve the small micro enterprise financing difficultpolicy recommendations. Including: encourage credit funds into the small and microbusinesses， innovation of financial products and financial services， implementationof differentiated credit supervision， the implementation of differentiated monetarypolicy， perfecting the small micro financial services tax preferential policies，perfecting the credit guarantee system for small and micro businesses， accelerateChina’s credit system construction.