The Exploration Of Government Departments To Solve The Financing Problem Of Small And Medium Enterprises

Small and medium enterprise is the basic power to promote national economic development, construct the market economy, expand social employment, increase the income of urban and rural residents, and stabilize the country’s financial revenue.. Medium- sized enterprises and small- sized enterprises, medium- sized enterprises and small- sized enterprises are 95% of the total number of enterprises in China. Small and medium-sized enterprises of our country after the reform and opening up 30 years of development, small and medium-sized enterprise overall and achieved a great development, social economic status gradually prominent, also the demand of small and medium-sized enterprises of financial funds is increasing day by day. But the small and medium enterprise is very difficult to obtain the fund from the effective way, the financing problem has already become the bottleneck which restricts the small and medium-sized enterprise development, this question urgently awaits to solve. On the part of the government, in the spread and risk of government competition is intensifying in the context of the market, at this stage, "financial disintermediation", "interest rate marketization", there is an urgent need to strategic transformation. Therefore, the government research on financial support for small and medium enterprises has become to jointly face the important problem of China’s financial and economic circles.The main purpose of this paper is to government to carry out the perfect financial service for small and medium-sized enterprises as the research object, the difficult problem of financing of small and medium-sized enterprises of our country has carried on the analysis and the summary and in Dongguan, Guangdong Province as an example, trying to from the small and medium-sized enterprise financial service demand and government supply of financial services to the feasibility and profitability point of view to elaborate the government to carry out financial service for small and medium-sized enterprises of intrinsic motivation, and combining with the foreign developed countries SMEs financial services practice of significance in China, and finally puts forward feasible financial services to support the policy recommendations.This paper firstly expounds the background, significance and research status at home and abroad, based on the theory of enterprise credit, incomplete information theory caused by the "adverse selection" and "moral risk" of credit rationing, and in the "financial disintermediation" "interest rate marketization" under the background of government, financial services for small and medium the necessity and feasibility of enterprise credit, credit risk control based on the requirements of the standard requirements and the bank, on this basis, the current financing situation of SMEs in China are analyzed, and the Guangdong Dongguan as an example, analyzes the financing situation of small and medium-sized enterprises in Dongguan, Guangdong and Countermeasures, pointed out in government departments the development of the financial support for small and medium sized enterprises exist many problems, can not meet the financial needs of small and medium sized enterprises. Finally, the article puts forward countermeasures and suggestions for optimizing the financing path of small and medium-sized enterprise from two aspects of the medium and small enterprises themselves and strengthening the financing market.