Research Of China’s Small Companies Financing Problems

as a large enterprise group, small companies play an important role inthe stable development of various countries social economy. But due to its congenitaldeficiency and poor stability of operation, whether the capital chain is clear in theprocess of development becomes the key factor affecting companies’ development. Inrecent years, financing difficulty of our countries’ small companies has risen to toughtask to be resolved by the whole society. Contradictions are abnormal prominentbetween supply and demand for the both financing, and the gap is huge, market failureis very serious, bank lending rates are rising, extremely unsmooth financing channel anddifficult financing guarantee, which lead to small micro enterprises financing difficult,and rise further from financing difficult to financing expensive. This article throughanalyzing our country financing both sides, the cost of financing, financing channels,financing credit and financing policy environment, was combined with the small microenterprises financing of foreign and found that now to solve the problem of small microenterprises financing difficulties must be with the aid of government and market, tocoordinate the small micro enterprise financial services organization system andfinancing environment, include to raise small micro enterprise financing itselfqualifications, to strengthen enterprise credit consciousness, to promote the formation ofthe enterprise credit union, to improve enterprise technology innovation ability, tostrengthen the construction of human resources, to promote financial institutions serviceability; To comprehensively enhance small micro enterprise credit service mode, tocontinuously explore small micro credit service innovation, to change small microenterprise credit service concept, to effectively reduce the small micro credit servicecost; To strengthen the function of financing guarantee system, to reasonably regulateguarantee system structure, to regulate the behavior of guiding guarantee agencies, todevelop the special guarantee business, to improve the credit guarantee mechanism; Toimprove the small micro enterprises financing environment, to perfect the relevant lawsand regulations, to set up an independent small business management department, and to set up the special credit mechanism is by this several aspects to crack the current ourcountry small micro enterprises financing dilemma. This article argues that small microenterprise’s own financing competence and service ability of financial institutions, andto strengthen the construction of other financing the guarantee agencies and financingenvironment can solve bottleneck of small enterprises in our country, and stimulatemotivation of development of the national economy.