Research On Countermeasure To Crack The Dilemma Of Funds Return Of Small And Micro-enterprises

Small and micro enterprises play a significant role in promoting economic development and social progress. But the huge number of small and micro enterprises have been plagued by the problem of finance, this situation has seriously affected the development of enterprises. In this context, due to the impact of the overall weak strength, the low status of market competition and cooperation, and other reasons, small and micro enterprises are faced with the compression of Large enterprises and SMEs in practice operations, resulting in a large number of accounts receivable can not be quickly recovered, caught in the dilemma of return of funds. This situation is further worsened the living environment of small and micro enterprises. Therefore,to explore to break impasse of funds return and help small and micro enterprises to get rid of financial difficulties is urgent.It uses a standard research method, and integrated use of the knowledge and principles of management, economics, law and other disciplines,and expands on the funds return management of basic theory of small and micro enterprise, the specific measures of funds return squeezed by the large customers and the middle and small customers.Regarding the causes of predicament on capital return of small and micro enterprises, it will start analysis from the basic features and the competitive position of small and micro-enterprises and concludes that small and micro-enterprises have Characteristics of poor financial situation and stability, high substitutability of products or services, unstable channels relationships, low customers loyalty,no standardized credit management.Therefore, it concludes that small and micro enterprises are destined to be in a weak competitive position. On this basis, it will divides customers of the small and micro enterprises into the large customers which have a strong position and the middle and small customers which have considerable strength. And on this basis, it will study in-depth on the causes of two types of customer groups squeezed by the funding dilemma. And it comes to that large customers excessive use of the advantages power base on its superior resources which the small and micro enterprises rely on, and the behavior exacerbates conflicts in the supply chain and ultimately leads to the predicament of funds return of small and micro enterprises. It also concludes that middle and small customs which owed money have mang different reasons,such as poor management forced to owe, use of non-standard transaction to"reasonable" owe,lack of credibility and deliberately owe.That all result in small and micro enterprises into predicament of funds return.Regarding the problem of cracking predicament of fund return for small customers squeezed by the large customers,it will use of credit quality of assets and reputation of the large customers as a starting point,and proposes that small and micro enterprises can use of pledge of accounts receivable, discounting, supply chain finance and other ways to revitalize the capital to accelerate funds return combining with the characteristics of the high credibility guarantee of debt assets receivables. And, on this basis, it studies in-depth on the issue of funds return strategies and measures and proposes to enhance the competitive position as a long-term solution to difficult problems of funds return from procurement, production and marketing.Regarding the problem of cracking predicament of capital returns for small customers squeezed by middle and small customers, it will be in the principle of minimizing the loss and proposes to save alienated claims by debt restructuring, bankruptcy and other legal Program; simultaneously it proposes that small and micro enterprises should strengthen the credit policy optimization and internal controls of credit management in order to reduce the possibility of alienation from debt assets in the roots, and research on specific issues of optimizing credit policy and strengthen internal controls. presented that a combination of credit policy options with capital budget strategies,a combination with conservative observation of customer credit standard, a combination with payment credit of customer and so on.The Countermeasure of capital return that it Proposed and designed bases on the existing financing model and Improve it combining with the characteristics of debt of different customers,so it will be more scientific, practical and applicability. It will not only enriches the theoretical system of credit management of small micro-enterprise, but also provides useful models to solve problems of capital returns of small and micro enterprises,and it will have an important reference value and practical significance for small and micro enterprises to get rid of the plight of the fund return.