Comparative Analysis Of China’s Small Micro Enterprise Financing Efficiency

the effectiveness of the small micro enterprise financing channel is an important part of the small micro enterprise financing. The analysis of the effectiveness of the small micro enterprise financing channel has important guiding meaning. In this paper, we reviewed and analysed the relevant theories of of the financing difficulties of small and micro enterprises. we found the main reason for the small micro enterprise financing difficulties due to information asymmetry, lack of collateral, system design. on this basis, this article re-introduced the defects of financing way, in order to define the validity of the financing way for whether can better solve these problems.This paper analyzes the classification of small and micro enterprises, the meaning and the importance of small and micro enterprises to the national economy, discusses the lack of financial support for small enterprises in our country. The financing difficulties of small and micro enterprises reasons were analyzed. On the basis of the analysis of relevant research at home and abroad. Four factors of the financing difficulties of small and micro enterprises were summarized.Namely, information asymmetry, lack of collateral, system design,deficiencies of financing way. Then on the basis of the definition in this paper, the effectiveness of that which way you can better solve these problems, and then compare the various financing channels for the effectiveness to solve the problem of small micro enterprise financing difficulties, find establish represented by private Banks and small and medium-sized Banks is the most effective way.Then on this basis, the use of AHP and fuzzy evaluation method of quantitative analysis, proves the correctness of the above conclusion.Then on the basis of the loan data of the city’s various Banks in Shanghai including large and medium-sized Banks, small Banks, the actual situation of the Banks for financing are analyzed through specific data and charts of Shanghai in recent years, one against some such as "the problem of shortage of large and medium-sized Banks to small micro enterprise financing", "large and medium-sized Banks simply prefer to state-owned enterprises, small Banks prefer to private enterprises," put forward "whether big Banks or small Banks tend to large and medium-sized enterprises, small Banks are relatively large and medium-sized Banks in new loans, loan interest rates are hooked on the small micro enterprise with relative support". That small Banks in actual can better support the development of small enterprises. Finally to put forward the method to solve the problem of small micro enterprise financing difficulties, namely how to establish the policy Suggestions of small and medium-sized Banks, avoid to solve small micro enterprise financing difficult problem of general and The phenomenon of eyebrows all classes.