Analysis Of Financing For Small And Micro Businesses

Since the operation of the reform and opening policy in China, the small and micro-sized enterprises are developing quickly, as the increasingly growth of national economy. Small and micro-sized enterprises have played an important role in the booming market, improving employment, expanding exports and prosper innovations. However, for most small and medium-sized enterprises, as the development, the lack of capital is still a big obstacle in face of the market competition.Recently, our governments, the financial institutions and small and micro-sized enterprises themselves have taken some efforts to solve the problem, but the shortage of funds can not be solved properly.In view of the present situation, this article is to analyze problem, then to obtain the solution in order to help enterprises to develop normally and quickly, this article is generally consist of four parts.The first part is a general introduction of financial environments and conditions for small and micro-sized enterprises. The second part is the reasons why small and micro-sized enterprises obtain the financial support so hardly. The third part is a vivid example of successful financing model base on financing project of operating property, from the perspective of city commercial bank. In the case, I will emphasize on the operational rules and practical experience to explore how small and micro-sized enterprises can take effective approaches to financing. Finally, this article reveals the problems according to a case study and provides the effective solutions for reference.