Our Country Small And Medium-sized Enterprise Financing Mechanism Innovation Research In Dongying City, For Example

Enterprises in our country, small and medium-sized enterprises accounted for as high as 99%, in promoting the people’s livelihood, job security, science and technology innovation, economic development made a positive contribution to promote the rapid economic development of our country is the important force. However, due to the relatively small size of the smes own existence, fixed assets is less, can to the mortgage financial norm, information opaque, there are more problems in financing. Commercial Banks because of the limitation of lending quotas and non-performing loan ratio is generally not willing to put money loans to small and medium-sized enterprises for their own development; Because our country capital market development co., LTD., listed high threshold, small and medium-sized enterprises of direct financing channels is restricted. In recent years, risk investment boom, this should be a capital injection to the chaoyang full of innovative enterprise, but due to reasons such as excessive risk averse investors itself, nor the development of small and medium-sized enterprises have very good effect. Private capital is increasing, simple procedures, is quite popular among small and medium-sized enterprises, but because of higher interest rates for small and medium-sized enterprise financing cost is still too large, go against their own development. Therefore, small and medium-sized enterprise financing is imminent.Government attention to the development of small and medium-sized enterprises in our country economy the important role of, actively introduced various policies to ease the financing difficulties of small and medium-sized enterprises. Due to the regional financial environment and development, to make decisions according to the central policy are also different. Therefore, under the top-level design of primary exploration shows the important meaning.In recent years, some scholars to study continuously, but many choose city is big cities development degree is higher, or an important city in jiangsu and zhejiang area, although their measures to have certain reference significance to other places, but in different environments, because of the financial infrastructure itself reference has some limitations. Dongying city in the yellow and blue are covering the city, in recent years, ongoing financing mechanism innovation, attracted a large number of enterprises invest in the construction. Because of the good financial environment and mechanism innovation emerge in endlessly, make small and medium-sized enterprises better development. Financial development experience is worth popularizing in the province.Because of this, this article first elaborated our country present stage small and medium-sized enterprise financing present situation and reasons, and selection of dongying city as the object, and aims to through to the "personality" of the introduction of the financing mechanism innovation, refined "commonalities" measures, for the most cities for elsewhere in China, especially in the north with poor cities in terms of ease the financing difficulties of small and medium-sized enterprises to provide reference.