Lack Of Credit In Xiangxi Stales Based On SME Financing Disorders

In our country, small and medium-sized enterprises has become an important partof national economy, it promotes the development of the economy, maintain thestability of the society, in the economic and social development, the role of small andmedium-sized enterprise cannot be ignored. According to incomplete statistics, in2010accounted for60%of China’s economy and tax of50%of the total enterprises, there ismore than5000small and medium-sized enterprises, which provides80%of the jobsfor urban residents, is more advantageous to our country\"country prosperous commonpeople rich, in the people\" and so on to achieve the goal of economic development.Therefore, how to promote the development of small and medium-sized enterprises(smes) has been brought to the attention of the height.Financing activities is the basis of credit, the present economic development hasbecome the development of credit economy. Numerous studies have shown that lack ofcredit is one of the leading causes of financing difficulties of small and medium-sizedenterprises. Long financing difficulties has been the bottleneck problem facing thedevelopment of small and medium-sized enterprises, as the financial storm swept acrossthe world, the financing problem more stand out, especially in poor ethnic minorityareas, this contradiction evolution more intense, ethnic minority areas of thedevelopment of small and medium-sized enterprises suffered serious constraints andobstacles. In this paper, from the perspective of credit loss, analyzes the small andmedium-sized enterprise financing obstacles, Suggestions for small and medium-sizedenterprise financing obstacles in shallow of Suggestions for performance, aims toanalyze the problems existing in the financing of small and medium-sized enterprises innational regions, put forward the solution to this dilemma need to perfect their owninternal mechanism, perfect the credit guarantee system, deepen the financial reform,improve the credit rating system, establishing and perfecting the credit system,strengthen the support to the development of all kinds of financial institutions andfinancial products, greatly improve the financing environment of small andmedium-sized enterprises in our country, as the breakthrough point, to find suitable forthe development of small and medium-sized enterprises in national regions financingway, makes the financing difficulties of small and medium-sized enterprises in nationalregions improve, promotes our country small and medium-sized enterprise healthydevelopment of national regions.