The Financing Difficulties Of Small And Medium-sized Enterprises And Strategy Research Based On Rural Credit Cooperative Of Shandong

China’s economy has maintained rapidly. What’s more, China’s small and medium enterprises also continued to develop and grow. Role of small and medium sized enterprises is becoming more and more important role in the development of the national economy. They have gradually become an important pillar of China’s economic development. Small and medium-sized enterprises are important parts of the whole national economy, which play an important role in the national economy development. They play an important role in alleviating the employment pressure and maintain social stability. The small and medium-sized enterprise is an important force for technological innovation. They are the experimental field of economic system reform in China. The small and medium-sized enterprise is developing rapidly in the past30years. However that encountered in the development of the industrial structure is unreasonable, backward technology and equipment, such as low management level of problems still exist. Production costs surge, tax burden overweight, lack of senior management personnel, poor information channels such as problems have not been able to very good solve. Especially small and medium-sized enterprise financing difficult problem has become the main bottleneck restricting the development of small and medium-sized enterprises. At this stage the main financing channels of small and medium-sized enterprises credit funds for financial institutions. Therefore, for the current small and medium-sized enterprises, credit is the main form of financing difficulties. Banking financial institutions to small and medium-sized enterprise credit strategy is the important factors affecting small and medium-sized enterprise credit financing. Through the analysis of the causes of small and medium-sized enterprise credit financing difficulties, find the causes of the current small and medium-sized enterprise credit financing difficult problem. According to China’s social and economic characteristics put forward more practical suggestions for improvement and the solution is the purpose of this article.Financing problem is one of the bottlenecks restricting the development of small and medium-sized enterprises. Find out the problems and reasons of restricting our small and medium-sized enterprise financing, is advantageous to the financing for small and medium enterprises from the reality of our country to create a good environment to support small and medium-sized enterprise healthy development, is this article research significance.First of all, this paper briefly expounds the developing situation of small and medium-sized enterprises in our country, points out that the influence of the development of the small and medium-sized enterprises in China is the main reason and the bottleneck restricting the development of the financing difficulties. Finance theory domestic and overseas are introduced, and based on the study of small and medium-sized enterprise financing problems. From the financing theory, asymmetric information, the financial cycle theories of foreign scholar research literature were reviewed. And, the financing difficulties of small and medium-sized enterprises causes and countermeasures are reviewed. Then the paper introduced the small and medium-sized enterprise financing, internal financing and external financing, and each of the exogenous financing way financing present situation. At the same time, this article summarized the current situation of the financing of our country.Based on the analysis of theoretical research and the financing way, the paper analyzes the small and medium-sized enterprise credit financing conditions, from the perspective of the rural credit cooperative of Shandong. Through the questionnaire form, the author analyzes the reasons of financing difficulties of small and medium-sized enterprises. To support small and medium enterprise financing case through an analysis of the characteristics of the rural credit cooperatives loans of rural credit cooperatives, and puts forward the strategies of rural credit cooperatives. Through the above analysis, crack Chinese SME financing difficulties. In the discussion of basic countermeasures solving the financing difficulties of SME, Analysis and put forward the construction strategy of the small and medium-sized enterprise financing market system and the credit business innovation of Commercial Bank of small and medium sized enterprises, analysis and put forward the countermeasures to the development of China’s SME credit guarantee system. Finally, we should perfect the system of small and medium enterprises in China.