A Study On The Financing Relationship Between Tibetan Financial Institutions And Small And Medium - Sized Enterprises

This paper mainly studies the relationship between financial institutions and small and medium-sized enterprise financing in Tibet, is designed to reveal the influence of the financial institutions to small and medium-sized enterprise financing.About Tibet in finding the relationship between financial institutions and small and medium-sized enterprise financing in the literature, the research on this aspect a very small number, is almost a handful. Therefore, this article for the study of the relationship between financial institutions and small and medium-sized enterprise financing in Tibet, the related theory has at least two aspects of meaning: one is to enrich financial institutions data material, through a full investigation, enrich related research first-hand data; The second is to investigate financial institutions to support small and medium-sized enterprise financing policy and lending requirements, beneficial supplement and enrich the theory of small and medium-sized enterprise financing.There are two main types of research methods of this article: 1. The method of consulting literature materials. Mainly in research before, just consult books literature, so that on the theoretical research in this field have a whole understanding and cognition. 2. The field research method. If you are unable to get some official data to data, is this the right way through the school financial institutions and small and medium-sized enterprises(smes) to investigate access directly.This article through to the Tibetan situation and domestic financial institutions and small and medium-sized enterprise financing in the financing situation of small and medium-sized enterprises in Tibet and Tibet and the proportion of the various financing to do the analysis and comparison, it is concluded that: since 2010, through China issued many preferential policies on small and medium-sized enterprise financing, small and medium-sized enterprises(smes) in a rising financial institutions have been raised.Although the growing small and medium-sized enterprise financing amount of Tibet, but the proportion is too little, can not fundamentally solve the problem of financing of small and medium-sized enterprises. Therefore also need bank financial institutions and other financial institutions continue to improve the strength of small and medium-sized enterprise loan.Tibet financial institutions for small and medium-sized enterprise financing success plays a key role, because in Tibet, the autonomous region government for small and medium-sized enterprises has many preferential policies, namely each of the small and medium-sized enterprises can get subsidies, 3 million. Rely on subsidies, however, obviously cannot completely solve the financing problem of small and medium-sized enterprises. Although there are fill rate, but the filling rate is on the basis of the small and medium-sized enterprise own borrow money. Therefore, financial institutions is closely related with the financing of small and medium-sized enterprises.So I think, several measures that can be done to perfect the financial institutions to small and medium enterprises financing. Such as: increasing lending. I think Tibet bank financial institutions can not in violation of laws and regulations and policy conditions, within a certain range of the appropriate conditions and requirements for business loans. The shortage of it is just getting started or capital chain special enterprise, should be given special relatively loose monetary policy to help ease the crisis of small and medium-sized enterprises.Tibet financial institutions for small and medium enterprises should set up special funds to support the business. Because of small and medium-sized enterprises is relatively weak, if not for the small and medium-sized enterprises to set up special financial business, so loan under the same conditions, for small and medium-sized enterprises is very unfair. Therefore, you should set up special financial business for small and medium-sized enterprises.Perfect laws and regulations, and continue to strengthen the implementation of the policies related to small and medium enterprises. Tibet autonomous region government should be issued in a state of "sme promotion law" as the basis, to develop a series of laws and regulations and the truth of Tibet matching and regulations, regulating the behavior of small and medium-sized enterprise business activities and market, build legal environment conducive to the development of small and medium-sized enterprises can promote Tibet. For implementation of related policies promoting the small and medium-sized enterprise financing, the Tibet autonomous region related government departments, to strengthen supervision.