A Study On Rural Micro Businesses Financing Problems In Fuling District Chongqing City

It is an utmost historically important task in the current progress of our nation’s modernization to accelerate the construction of a new socialist countryside and solve the three issues concerning agriculture, countryside and farmers. The rural small enterprises, an important force of building the new countryside, play an efficient part in linking agricultural products and the market, advancing the economic growth, proffering more jobs to the rural laboring force, promoting technical progress and as well as creating social wealth. The enterprises, whose importance is winning more and more notice, also function to realize the harmonious integrity of urban and rural areas, to maintain social steadiness and to make come true the adjustment and optimization of the structure of agriculture.With small scale and flexibility, these rural small enterprises rely on the domestic affluent agricultural resource and raise money in more flexible way. But in recent years, they are confronted with the fund-raising plight. In their development stays a greatest block how to effectively seek funds for the relief of the difficulty in capital-turnover because of their management and production expanding and to meet their financial demand. Presently, there is much room for these enterprises to improve in fund-raising environment, subjectivity and means. Effective fund-raising system can be set up if only each plays its full part.In order to solve the problem of fund raise in these small enterprises, the government has published a series of ways to keep these enterprises to grow, which is much helpful for them to enlist more supports of loans from banks. In our country are springing up some nongovernmental banking institutions, which proves, to some extent, the fact that banks and other governmental financial institutions fail to satisfy the need from the small enterprises. This financing way can not relieve the financing difficulty as much as expected, and from a long-term point of view, these nongovernmental banking institutions, without necessary legal guarantee, will easily touch off serious social issues. Starting from the current situation of the rural small enterprises of Fuling District, Chongqing City, and based on the analysis of Fuling District government, banking institutions and these enterprises, the purpose of the thesis is to analyze and discuss the current situation of financing among the small enterprises, its reason and the way how to deal with the situation to provide a possible way to solve the problem.The theses includes five chapters:Chapter One presents the background and significance of a research issue and summarizes the correlational research at home and abroad concerning small enterprises and their financing issues along the research method and thought of the theses. Chapter Two introduces financing ways of the domestic small enterprises, namely, internal and extraneous sources, according to the existing definition of small enterprises, and definite the scope of the rural small enterprises. Chapter Three, based on the evidence analysis of the present growth of the rural small enterprises of Fuling District, Chongqing City, lists a series of the methods which Fuling District government has taken to solve these issues. In Chapter Four there is an expounding of the chief difficulties in financing and its reason, based on the summery of the current situation of the rural small enterprises of the district in the preceding chapter. The concluding chapter finds out the ways to solve the financing difficulties in the growth of the rural small enterprises and puts forward some reasonable measures and proposals concerning the enterprises, innovation of banking institutions and the local government’s guiding functions.In a word, the rural small enterprises and their growth are important parts of our nation’s socialist economic development. Their growth counts for the prosperity of the nation’s socialist market economy, for the reduction of the difference between the urban and rural areas, and for the establishment of the socialist harmonious society. The studies of the problems of credit financing, a decisive link with respect to the growth of the rural small enterprises, must be strengthened in practice and exploration. Only in this way can guarantee be offered to normalize the socialist financial market for its integrated development. There is a certainty that the rural small enterprises, in the endless practice and experiment, will surely reach the goal of the transformation in society and economy, and of the development towards modernized enterprises.