Research On Domestic Financing Difficulties Of Small And Micro Business

At present, the number of China’s Small and micro businesses is large,They are playing an irreplaceable role in the economic development, promote scientific and technological innovation, the rational allocation of market resources, alleviate the employment pressure etc. However, affected by the internal and external factors, China’s small and micro businesses has been in a "Strong position but Vulnerable" state, its survival and development is facing many problems, one of the most prominent problem is the financing difficulty, especially after the global financial crisis, China’s small and micro businesses financing problems become more prominent than ever.In recent years, national and local government are published a series of support policies to small and micro businesses financing, which eased the financing difficulties small and micro businesses in a certain extent, but not to be solved, small and micro businesses financing gap is still large. In our country, under the upgrade, the employment pressure is more and more big reform in economic structure, small and micro businesses no doubt has important strategic significance for China’s economic development and social progress. Therefore, to solve the financing problem has been imminent for small and micro businesses.This article from small and micro businesses financing’s related research status at home and abroad, the basic concepts and theoretical basis, research on China’s small and micro businesses financing difficult situation and the reasons, and then put forward suggestion of our country small and micro businesses hard financing. This paper used the method of literature research, quantitative analysis, macro and micro research method and normative analysis, the full text is divided into six chapters. The first chapter is the introduction, describes the background, purpose and significance of research papers, this paper summarizes the status quo of research at home and abroad, introduces the research contents, research methods and innovations; The second chapter carries on the summary to the relevant concepts and theories; The third chapter analyzes the status quo of China’s Small and micro businesses financing from the supply and demand contradiction between banks and enterprises outstanding, the financing channel is narrow, unreasonable financing structure, financing costs, financing guarantee system is not perfect, the financing policy environment is not perfect and so on several aspects, The fourth chapter analyzes the causes of the financing difficulties of small and micro businesses from internal and external two aspects; The fifth chapter mainly put forward suggestions to solve our country small and micro businesses hard financing from improving small and micro businesses their own strength, improving small and micro businesses financing external environment three aspects, other suggestions; The sixth chapter is the summary and prospect.