Study On Financing Desire Of Rural Small And Medium-sized Enterprises

Since more than30years after reform and opening up, with the deepening of themarket economic system, the small and medium-sized enterprises have been rapidlydeveloped. Especially the rural small and medium-sized enterprises have graduallybecome an important part of rural economic structure, making a great contribution toincrease income of farmers and to help solve the rural surplus labor problem. With thecontinuous development of the rural small and medium-sized enterprises, financingdifficulties increasingly stand out, which cause obstacles to the development of ruralsmall and medium-sized enterprises, and even affect the economic development of therural areas.This paper is based on a reasonable definition of the rural SMEs,businessenvironment characteristics and the choice of financing methods, analyzing thedevelopment status and problems of rural SME financing system. The current financingsystem problems are not only from the internal quality problems of themselves, but alsothe external policy and financial environment. After an in-depth understanding of therural problems of SME financing system，it shows that to improve the rural financingsystem for SMEs has both necessity and feasibility.Also, to help rural small andmedium-sized enterprises out of financing difficulties, we need actions from thegovernment, the enterprise itself, intermediary agencies as well as financing supervision.The paper aims at provide reasonable suggestions for the development of the rural smalland medium-sized enterprises and the improvement of the rural small and medium-sizedenterprise financing system.Based on the previous analysis, this paper puts forward countermeasures andsuggestions to improve the rural small and medium-sized enterprise financing system.Firstly, the government should play a guiding and coordinating role, standardize themarket order, optimize the credit environment, and provide supports from the aspectssuch as fiscal and tax policy. Secondly, the rural small and medium-sized enterprisesshould improve their own quality and establish good faith in order to reduce thefinancing obstacles. Thirdly, it is necessary to expand the financing intermediaries andregulate their behaviors. Fourthly, the government should strengthen the supervision ofthe financing and standardize financial market so as to provide favorable conditions for the rural small and medium-sized enterprise financing and improve rural small andmedium-sized enterprise management, which affect the rural economic development.