The Financing Difficulties And Countermeasures Of Medium And Small Industrial Enterprises Of Anyang

In recent years, along with deepening of reform and opening up and the continuous improvement ofthe socialist market economic system, small and medium-sized enterprises has become the rule of law inour country market economy is the most direct, sensitive, universal economic subject, is the key factor ofsocialist market economy. China’s small and medium-sized enterprises in the creation of wealth, absorbinglabor force employment has irreplaceable role. But at the same time, influenced by the industrialtransformation and upgrading and structural optimization, as well as the economic globalization and rapiddevelopment of science and technology, the influence of such factors as financing difficulty become thebottleneck of development of small and medium-sized enterprises are difficult to break through. This paperin anyang city of henan province industry of small and medium-sized enterprise financing problems andcountermeasures analysis as the research object, the writer is anyang city bureau of industry andinformation technology staff, be engaged in industrial policy and industrial research, enterprisedevelopment to anyang industrial economy and small and medium-sized enterprises are familiar with thebasic situation of the industrial areas, the national, provincial ministry of industry and informationtechnology fields, policies, laws and regulations is more understanding, this article to solve the problem ofsmall and medium-sized enterprise financing has more pertinence and effectiveness.Anyang city industrial area a total of31342small and medium-sized industrial enterprises, accountingfor99.85%of the total number of industrial enterprises in the city. In the small and medium-sizedenterprises above designated size enterprises accounted for95.44%of the total number of enterprises abovedesignated size, advocate business wu income and realize the industrial added value and realize the profitsof enterprises above designated size respectively55.25%,63.31%and68.84%, showing a number, largeproportion, of the characteristics of big contribution for anyang plays an irreplaceable role in economic andsocial development. In November2013-1, anyang each loan balance of77.834billion yuan, the city’s localand foreign banking including small micro enterprise loan balance of20.284billion yuan, accounting for26.1%. Successively held two national-level argues, signed on loan amount of nearly8billion yuan. Small and medium-sized enterprises in financing process presents the capital needs small but high frequency andsingle financing channel, mortgage difficult, lack of enterprise credit, etc. Combined with the actualsituation of anyang city small and medium-sized enterprise financing difficulties, this paper analyses thecauses of the financing difficulties. The government’s emphasis on small and medium-sized enterprises isnot enough, research is not comprehensive, not thorough, the lack of promote to solve the financingdifficulties of small and medium-sized enterprises policy mechanism and encouraging measures. Banks andother financial institutions also bound by traditional ideas, can’t the initiative to help small andmedium-sized enterprises, the current credit policy limits the small and medium-sized enterprise loan to thebank, the main board listed there is discrimination policies for small and medium-sized enterprises. Smalland medium-sized enterprise is affected by the size of its development, there are imperfect managementmechanism, rules and regulations, low value-added products, lack of competitiveness, the mortgagedproperty is difficult to meet the demands of the bank loan problem. Anyang since2012, in particular, isseriously affected by the illegal fund raising, folk financing channels blocked, exacerbating the enterprisefinancing difficult problem. In this paper, the author according to the theory of professional knowledge,draw lessons from the domestic and foreign advanced theory and measures, on the basis of national,provincial support the policy of small and medium-sized enterprises, anyang city government and itsfunctional departments to support the development of small and medium-sized enterprises of specificmeasures, as well as the actual situation of small and medium-sized enterprise financing, different levelsfrom the government, financial institutions, small and medium-sized enterprises put forward there are boththeoretical support, and realistic operability countermeasures. Government to highlight the sense of service,perfect the relevant policy, actively strive for the national, provincial policy subsidy funds, set up specialfunds on the level of prefecture level, strengthen the education of the entrepreneur, improve the overalllevel of small and medium-sized enterprise development and competitiveness, accelerate the constructionof guarantee system, increase credit support for small and medium-sized enterprises and credit rating,develop new financing institutions, listing and support small and medium enterprises in stock exchangelisted on the gem, the new SanBan, day, establish service center of small and medium-sized enterprisefinancing, service wholeheartedly for the enterprises. Grass-roots governments at all levels and the relevantfunctional departments to earnestly implement the superior in all kinds of preferential policies to support the development of small and medium-sized enterprises, make enterprise benefit. Financial institutionsshould make good use of the opportunity of interest rate market reform, introduce suitable for small andmedium-sized enterprise credit business, accelerate the financing guarantee companies, small loancompanies, village Banks, the development of financial leasing companies. Small and medium-sizedenterprises to strengthen their own development, the establishment of modern enterprise management modeand the rules and regulations; Positive for countries in all kinds of special funds support, to speed up thepace of transformation and upgrading; Broaden the financing channels, to avoid the high cost of bank loansand private loans, to list their shares on the otc trading places, through regional set optimal debt and equitytransfer directly to financing, etc.With18the third plenary session of the scheme of the reform of economic system and the fiscal andtaxation systems and implementation of small and medium-sized enterprises will further improve theeconomic main body status, will be more diversified financing channels and means, small andmedium-sized enterprise financing difficult problem will get a better solution, will be more rapid economicdevelopment in our country.