The Countermeasure Research On Solving The Financing Problems Faced By Small And Micro Enterprises In Hebei Province

With continuous development of China’s economy, the economic growth of large enteiprises has been increasingly in the trend of saturated state. Developing small and micro enterprises actively especially small and micro enterprises makes up for the vacancy of larges continuously. This fosters further development of national economy and has become the motive of China’s further economic growth. However, the bottlenecks of small and micro enterprises financing exist all the time。In the view of many research on the financing difficulties and narrow financing channels of small and micro enterprises, this paper takes Hebei province small and micro enterprises as the research object. Analyze according to the specific situation of Hebei province small and micro businesses actual financing as well as commercial banks to support its credit and reveal the reason how small and micro businesses financing predicament forms. Finally, provide feasible proposals for better development of small and micro businesses.This paper firstly introduces the concept of quantitative Small and micro businesses. From three aspects introduced the financing situation of China’s Small and micro businesses. The three aspects are respectively:the financing situation of China’s small and micro businesses financing environment, small and micro businesses and small and micro businesses financing dilemma. In Chinese economic environment, the problem small and micro enterprises face hasn’t solved effectively and the dilemma of rising productive and business costs exists all the time. In the policy, the government is gradually increasing the support intensity on small and micro enterprises and many policies that promote the development of small and micro enterprises issued. From the small and micro businesses loans, loans accounting, major banks to small and micro businesses loan distribution, this paper tells the financing situation of Chinese small and micro enterprises. The next is about dilemma Chinese small and micro enterprises encounter in the process of financing:failing to get enough financial support higher financing costs and narrow financing channel.After the introduction of whole financing situation on Chinese small and micro enterprises, this paper tells the financing environment of small and micro enterprises in Hebei province in detail. Although the small micro enterprises in Hebei province make great contribution to the economic development, it encounters such problems in the process of financing:insufficient small and micro businesses investment, financing channels, the expanding production and rising labor costs, not too optimistic about the macro environment, over reliance on resource development, the increasingly structural contradictions prominent, weak exports and foreign market development difficulties. After analyzing financing environment of small and micro enterprises in Hebei province, this article introduce the present financing situation of small and micro enterprises in Hebei province. The main characteristics are:the financing needs is "small, short, sharp, frequency", a single small demand, financing gap is bigger, the main financing way for internal financing, external financing, main way for banks to commercial banks financing cost, financing amount of invisible Co. Finally, analyzing the financing dilemma of small and micro enterprises in Hebei province and receiving the main reason:generally small production scale, the lack of collateral, enough of the low level of management, the financial system is backward, the loan process there is information asymmetry, the macro environment is not optimistic.According to the dilemma small and micro enterprises in Hebei province face, the article put forward three suggestions to solve the financing Small and micro businesses from the micro enterprises, commercial banks and the government. First, from the micro enterprises, strengthen enterprise management, set up in Small and micro businesses the credit consciousness, play to the advantages of industrial clusters from three aspects of enhancing Small and micro businesses strength and establish a corporate image. Second, from improving the credit guarantee system, to broaden the financing channels, set up credit system, strengthen the construction of sound, small micro enterprise information system to improve the commercial banks to improve the macro financing environment Small and micro businesses to support four aspects related policy Small and micro businesses and law. Finally, to guide the lending behavior of commercial banks from Hebei province Small and micro businesses credit product innovation, reforming the credit management method, improve the client manager system in commercial bank.