Based On The Theory Of Social Trust Availability Of Sme Financing

SMEs in the national economy occupies an important position is very important, has become an important driving force of economic growth. In an active market and increase employment has played an increasingly important role. However, the problem of financing SMEs has not been resolved, and as a constraint to the rapid development of SMEs, the main bottleneck. Theorists financing of SMEs mainly from the external environment facing SMEs come to reason, Although the external environment on SME financing constraints imposed by huge, However, deficiencies in the system of SMEs within the Born and the resulting number of irregularities become the biggest obstacle to SME financing. Meanwhile, the impact on small and medium enterprises by the Chinese family culture, its financing with a strong social, blood, kinship, geopolitical and other non-economic factors in the financing of SMEs has become an important factor can not be ignored. Therefore, this article Choose from a perspective of social trust of SME financing availability, can compensate for the limitations of traditional research, but also from a new angle for the crack SME financing difficulties provide new ideas and realistic way.Based on this, This paper first reviews and sort out the theory and impact of SME financing SME financing availability of relevant literature; Secondly, the relations on the basis of systematic analysis of the availability of social trust and SME financing, the construction of the impact of the availability of SME financing empirical analysis framework; Finally, the application of95SME survey data Guangxi region, the availability of financing for SMEs and its influencing factors empirical research. Survey results show that:(1) Social Trust and financing entrepreneurs can get about sex. Among them, the business owners a special relationship of trust and non-formal financial adapt, and modern social trust can improve access to formal financial availability.(2) General trust, the net availability of the top two variables have a significant impact on corporate informal financing, other variables such as special trust, strong relationships, network density, structure, trust, influence the size of the network is not significant.(3) The components of social trust, Special trust and network variables on the top two companies have formal financial availability significant positive impact; And widespread trust, trust in social relations negatively impact a significant impact. Finally, on the basis of empirical research I believe that to improve SME financing availability, From the following aspects:First, we must trust to the community from a personal trust in transition; Second, we must build businesses, business owners social trust; Third, we must construct a new social network of relationships; Fourth, we need to regulate the informal financial development; Fifth, we must accelerate the construction of the formal financial system to adapt to SME financing.