Qingdao Small Micro Enterprise Financing Problems Research

Small and medium-sized enterprise financing difficult problem is the domestic and foreign scholars study more subjects, on the basis of the research gives a representative theory of their proposals and policy Suggestions, but the financing difficult problem is still there. Especially in small and medium-sized enterprises accounted for99%of China, small and medium-sized enterprise financing difficulties become inevitable problems, Qingdao small and medium-sized enterprises (smes) have the same situation.Small micro enterprises in the social stability and promote economic growth, increase employment and innovation of science and technology play an important role, is in the current China under the background of transformation of the pattern of economic development, optimizing industrial structure to ensure that the breakthrough development problems and realize the development target of important force, can ensure the small micro enterprise obtain sufficient operating funds is the relationship between the small micro enterprise survival and the development important propositions.Qingdao city is the economic center along the east coasts of our country is very important, also is one of the14coastal open cities in our country, has become a regional economic center of China’s opening to the outside world, the scale of the small and medium-sized private economy has occupied half of the total economy, Qingdao city, the development of small and medium-sized enterprises in Qingdao city also occupies an important position in the economic development, so how to ease the Qingdao small and medium-sized enterprise financing difficult problem has brought to the attention of the Qingdao municipal government, etc. In recent years, although with the help of the government, social parties, Qingdao small and medium-sized enterprise financing environment is getting better and better, however, small and medium-sized enterprise financing cost and financing channel less high problem still exists.To small businesses from the traditional finance theory, this paper absorbs domestic and foreign scholars for small and medium-sized enterprise financing theory and the theory of financing channels, financing structure theory research experience, combined with the development of small and medium-sized enterprises and finance background, Qingdao to the field investigation and study, the present situation and problems of small micro enterprise financing according to the survey of small micro enterprise financing channel and cost for preliminary analysis, study the influence of the financing for small micro enterprise performance, tries to reveal its high cost of financing, financing present situation, to promote the development of small micro enterprise and puts forward relevant countermeasures and Suggestions, in order to solve the small micro enterprise financing problem in our country, to improve the business environment to promote the rapid development make a useful reality basis. Both enriched to small micro enterprise financing related research view and method, and expand and deepen the domain and the connotation of corporate finance theory, and can complement and perfect the enterprise financing theory. The fifth chapter propose solutions to small and micro enterprises in Qingdao difficult situation financing measures to promote better financing small and micro enterprises in Qingdao, protect the healthy and orderly development of small and micro enterprises.