Study On The Financing Problem Of Small And Medium-sized Enterprises In Beijing City

With the development of socialist market economy, small and medium-sized enterprises play a more and more important role in our national economy, and they have become important force for economic growth and social progress.However, the financing difficulty of the SME is a worldwide’ s problem, which is particularly outstanding in our country. At present, the problem of financing difficulty has evolved into a bottleneck that hinders the rapid and healthy development SME. How to understand and solve this problem, is the focus that the theoretical and practical work departments have concerned.In this paper, using the SME in Beijing city as an example, through combing the literature with the financing difficulties of SME at home and abroad in recent years, based on relative mature theory of the development of SME and the financing theory, analyzes of Beijing SME "financing difficulties, financing expensive" problems and causes at present, according to the above proposed targeted policy.Research shows that the significance of developing SME in Beijing is to promote local social employment, increase government revenue, drive the outer districts and counties of the new rural construction and improve scientific and technological progress and innovation. However, the financing of SME in Beijing city is facing a serious problem, these problems not only have commonness with SME in other parts of the country, and have the unique features of capital, mainly including not free direct financing and indirect financing, internal financing narrow relative lag and lack of financing laws and regulations. The following reasons: first, it produces its own reasons, such as the risk of high cost high, difficult to provide mortgage guarantee and weak credit consciousness; second, efforts in support of government policy, such as the current financial system factors, the legal system is not perfect; third, the management system of financial institutions, such as the capital market is not standardized, the existence of scale discrimination in bank organization system, social guarantee system is not perfect and the lack of direct financing service system.Conclusion based on these research, this paper respectively from three aspects and gives corresponding suggestions: first, the SME own management level, such as the perfect management system, establish a good reputation; enhance market competitiveness, obtain bank trust; the introduction of high-end talent, the importance of human resources; actively looking for new ways of financing, expanding financing channels etc.Secondly, the government management and service level, such as increasing government financial support, the establishment of SME development promotion fund, improve the social service system and a sound legal system of SME. Third, financial institutions and financial market level, including promoting the reform of the financial system, the development of SME banks; change idea, treat correctly the financing demand of SME the establishment of credit management system, the science of the SME; system innovation of SME credit guarantee system; establish and improve the guarantee system of laws and policies; make full use of "the second board market" to promote high-tech technology SME financing etc.