| SMEsare the main forceto push forward economic development, active market economy and promote social stability. Especially in our country’s special period, SMEs have played a key rolein ensuring economic growth and ease the employment pressure. But in the 21 st century, the development of any business can not do without financial support, and the survival and development of SMEs suffer severe financial strain problems. Financing problemhas become the biggest factor that constrains the SMEs’ development and growth. Inimpact of the current global financial crisis, how to get financial support for SMEs is becoming an important channel for economic survival.As China’s economy continues to improve, commercial banks are striving to provide financial supportfor large-scale enterprise of high quality, using a variety of means to seize the high ground. While the limited number of large enterprises and SMEs is a land waiting to be reclaimed, commercial banks have been increasingly focused on the development of the SMEs target. Therefore, the study of financing problems of SMEs can not be set to slow, on the other hand, it’s also crucialfor banks to increase revenue, strengthen the strong position.For the community are concerned about the topic of SMEs’ financing problem, the paper first collects and sorts the SMEs’ financing theories and practice relevant literatures comprehensively.Then combining with China’s actual conditions, we analyze the situation and causes of SMEs’ financing problemto do supportfor later empirical studies.Furthermore, using the recent board’s panel dataSMEsas a sample, we make use of the statistical analysis methods to testthe influencing factors of SMEs’ financingempirically and obtain analysis conclusion. Finally, based on theempirical results above we give relatedrecommendations in orderto solve the SMEs’ financing difficulties and achieve the goals that develop the real economy, make a useful contribution to promote employment. |
PDF Full Text Request