Study On Small Micro Enterprise Financing Mode Innovation

With the continuous development of the economy, both in the developed countries, or in developing countries, Small and micro businesses plays a more and more important role, contribute to economic development is more and morebig. However, at present Small and micro businesses development is facing a"bottleneck", namely the financing problem.At present, behind China’s sustained economic, rapid, steady growth, Small and micro businesses contribute to economic development cannot be done not have,however Small and micro businesses to solve the problem of financing is still noeffective way. This problem has aroused widespread concern in the theory circle of our country, the small and micro enterprise financing problems also emerge in an endless stream of research. This paper is on the basis of this, taking Linyi city Small and micro businesses as an example, the Small and micro businesses financing mode innovation, and the current rural credit cooperatives in Linyi City, put forward innovative Small and micro businesses financing mode--the credit union, are discussed and studied,the detailed contents are as follows:The first part is the introduction. Mainly discusses the background and significance of the topic, research at home and abroad are reviewed, and a briefe valuation, and discusses the research methods, the lack of innovation and the existing. The second part is the definition of related concepts. The Small and micro businesses concept, characteristics and functions of financing, the definition and form and the credit union is discussed in details and definition. The third part is the analysis of Linyi city Small and micro businesses financing.Mainly discusses the Small and micro businesses in Linyi city scale, industrial distribution, small micro enterprise financing status, difficulties and reasons Small and micro businesses encountered in the process of financing. The fourth part is the city of Linyi Small and micro businesses credit financingmodel innovation--the credit union. In this part, discusses in detail the mainSmall and micro businesses the credit union financing mode, including Small and micro businesses, credit union and the bank’s three major. Small and micro businesses the Credit Union created process, made the Linyi municipal Small and micro businesses financing model results, characteristics and development ofcredit union way of financing mode, financing mode advantage of credit union. The fifth part is the extension of Credit Union financing difficulties and countermeasures. Mainly elaborated the Linyi small micro enterprise creditpromotion association of financing difficulties and countermeasures.