An Analysis Of The Current Situation Of Financing Problem In Small And Medium - Sized Enterprises

The development of small and medium-sized enterprises to a very large effect on the growth of our national economy,although in recent years the country to vigorously support the small and medium-sized enterprise,giving it a certain inclination in policy oriented,but the small and medium-sized enterprise environment for the survival and development of the situation is still not optimistic.The cause of this situation of the main reasons is that the financing difficulty of small and medium-sized enterprises,the main factors which affect the financing problem of SMEs is the financing risk issues.Therefore the aim of this article is on the small and medium-sized enterprise financing risk issues to do analysis and discussion to a certain extent,the hope can give some theoretical guidance and help to a certain extent,to the small and medium-sized enterprise financing difficult problem.This paper expounds in detail the related theory and research background firstly,financing risk of small and medium-sized enterprises,through the detailed discussion of the theoretical research of home and abroad,summarizes the shortcomings of the current financing related theory and research of small and medium enterprises in china.The second chapter analyzes the current situation of the financing of small and medium enterprises,including small and medium-sized enterprises in the national economy function,the financing environment and financing mode.So the third chapter further discussed and analyzed the financing risk of small and medium-sized enterprises,first carries on the definition and classification of financing risk,to discuss the three aspects and then influence the financing risk factors from the financing demand side,supply side and government departments,and finally proposed the establishment of risk assessment model,and the main influencing factors quantitative analysis was performed by the hierarchy analysis,find out the risk of SME financing influential factors and economic explanation.Based on the preceding analysis in the fourth chapter,discuss the proposed control and prevention of financial risk,from the SMEs themselves,the banks and the government in three aspects of specific preventive measures were discussed.Finally make a summary of the whole thesis research problems,and put forward the deficiencies of this research,the future research work is prospected.Hope that the financing of SMEs in China will be with the relevant theory and research in China means to improve research more profound and more effective prevention and control measures.