Research Of Pawn Financing Of Small And Medium Sized Enterprises

Small and medium enterprise has always been the main force to promote economic growth, and promote the national economic growth, pull the employment side contributed to. According to 2014, national development and Reform Commission research data shows that social economic value (the value of the products and services of value) in more than 60% are created by small and medium enterprises, which more than 70% of the total social marketing is due to small and medium-sized enterprises, small and medium-sized enterprise tax contribution rate is more than 50%. Still, the social identity of small and medium enterprises is still not high, especially in the financing of this difficult. According to 2014 the social investigation data shows,20% of small and medium-sized enterprises from financial institutions to actually get the loan amount less than the total amount of, but small and medium-sized enterprise actual funding gap is very large, this for the small and medium-sized enterprise is simply the tip of the iceberg. SMEs both in the number of enterprises, practitioners and asset size have occupied most of the country. But in monetary tightening, bank credit crunch, prudent loan, plus the new board and gem financing case, the small and medium-sized enterprises very difficult from mainstream financial institutions to get adequate funding, financing pawn then arises at the historic moment, with its "short, small, fast advantage to become small and medium-sized enterprises of choice.Since the 80’s in twenty-first Century, the tide of reform, small and medium enterprise pawn financing is also constantly improve themselves, and strive to improve their industry status, better serve small and medium enterprises. SME financing pawn as strong small and medium-sized enterprise financing, and always maintain a "inclusive but, Dian Shi Chengjin" service attitude. In the embryonic stage or is the stage of development of small and medium-sized enterprises, due to its development scale and industry characteristics of the restrictions, many financial institutions will shut out of small and medium-sized enterprises, and then to the pawn industry provides great development opportunities. The financing of pawn not only meets the demand of capital, urgency and small, but also helps the enterprise establish a good corporate image..In this paper, we use a combination of theoretical analysis and case analysis methods, first of all from the perspective of domestic and foreign financing pawn research status and financing pawn and relevant theoretical research of is then theory and his own practice experience combined, to pawn financing for small and medium enterprises feasibility was studied by CD pawn of the case company. In the building structure, this paper is from the research background and significance, once again, analyzed the research status at home and abroad, mainly on the domestic industry meeting when literature and summarized, and pointed out that the current mortgage financing research achievements and drawbacks and shortcomings; second is the feasibility of pawn financing, mainly from the current development and financing situation of small and medium-sized enterprises, comparative analysis of the mainstream financial institutions pawn financing point of small and medium-sized enterprises in various stages of development and with the bank and other advantages, to analyze the feasibility of small and medium enterprises financing pawn, then introduces the status quo of the development of pawn financing of small and medium-sized enterprises and the existing problems, mainly from the scale of asset status, the quality of employees and other aspects to elaborate; after the discovery of the problem, we need to specifically analyze the cause of these problems, including the influence of internal factors and external environment. Then, the case analysis, mainly through their internship experience. From the CD the pawn business characteristics, mortgage products, and operational procedures starting to understand the specific pawn companies, then choose cooperation with small and medium-sized enterprises, through the analysis of the relationship between case pawn financing system and enterprise development situation, to discuss the relationship between mortgage financing and small and medium-sized enterprises.Finally, based on the above effective improvement measures were put forward, including small and medium-sized enterprises pawn financing services to small and medium-sized enterprises and measures to improve its own pawn financing way of the small and medium-sized enterprises and small and medium-sized enterprises development and construction. Improvement of SME financing pawn by pawn industry after all, because, it is bound to rely on external forces to help its development, regardless of is the building of laws and regulations of government departments, or pawn industry association’s supervisory role, should seeking its position in its place, for small and medium-sized enterprises pawn financing to build a healthy external environment.