Research On The Financing Problem Of Small And Medium-sized Enterprises

On realization of small and medium-sized enterprises in the social professional collaboration,technology innovation, increase employment and meet the personalized requirements of residents’diversity and play an important role. But at present, the development of the small and medium-sizedenterprises restricted by all aspects, including financing difficult problem first. With the constantdeepening of economic system reform in our country, small and medium-sized enterprise has become animportant part of socialist market economy, small and medium-sized enterprises as the power of the mostactive in the market economy, in solving the employment, improve people’s livelihood, the innovation ofscience and technology play an important role in such aspects as also become the main source of localfiscal. But in terms of its contribution, small and medium-sized enterprises are facing serious financingdifficulties of growing up. As an important part to the survival of enterprises "capital", become one of theimportant factors of affecting the growth of small and medium-sized enterprises. At present, the domesticresearch on small and medium-sized enterprise financing mainly from two big breakthrough point of thegovernment, bank, put forward Suggestions for the development of the system, financing system and theproduct, but ignore how to mine information from finance main body itself-small and medium-sizedenterprise further, ignored from itself set out to seek the way to solve the problem of financing for smallbusinesses. Base on this, this article on small business financing problems for further discussion.In this paper, a total of five parts, the first part is an introduction, introduces the background andsignificance of this, SME financing is difficult and Review of commercial banks to support SME financing,and finally a brief analysis of the contents of this paper and paper frame, laying the groundwork for thelater writing; second part dumplings SME research methods, the first concept of Small and MediumEnterprises and financing as a starting point, and then from the financial Growth Cycle theory, asymmetricinformation and credit rationing theory and relationship lending three aspects of the theory SME financingwere discussed, and finally a brief introduction of the financing of Small and Medium Enterprises; thethird part is the status of SME financing, and to sort out the reasons,First, from the six aspects of thecurrent status of the financing of small and medium enterprises were consolidated. On this basis and fromfive aspects carried on the analysis to the cause of the small and medium-sized enterprise financingdifficulties; fourth part is to solve the financing difficulties of Small and Medium Enterprisescountermeasures and suggestions were put forward from the four large dimensions Several ways to solvethe financing difficulties of Small and Medium Enterprises, aims to SME financing road smoother; lastpart is the conclusion, the argument of this paper is to once again representations and summary.