Jiaxing Reference To Financing Of SMEs

Small and medium-sized enterprises is an important part of our national economy, also is an important part of jiaxing economic, jiaxing economic development plays an irreplaceable role. But small and medium-sized enterprise survival environment is not very desirable, including financing difficulties has become the bottleneck factor of the development of small and medium-sized enterprises.Cause financing difficulties of small and medium-sized enterprises are two aspects of enterprise internal and external, internal, mainly reflected in the enterprise itself is not strong enough, there is no perfect internal control system, there is no strict financial system,the product is not competitive, enterprise external factors require subdivided three categories, Financial institution factors mainly reflected in the financial institution itself exists problems, small and medium enterprises cannot bring considerable profits to financial institutions, financial institutions risk-control system often exclude small and medium-sized enterprises; Legal factors reflected in the current small and medium-sized enterprises no complete legal system of protection, the same equivalent risk of financial institutions are not guaranteed, make both sides are often being injured. Or partial use of those bad intentions; Social factors include the functions of the government is unknown, the work does not reach the designated position, lack of small and medium-sized enterprises in social service agencies, etc.The M-M theory, credit distribution section theory and enterprise growth cycle theory as the foundation, through the actual case analysis of small and medium sized enterprises in Jiaxing City Characteristics and financing status, looking for impeding its development.Through the analysis of internal causes of the financing of small and medium enterprises in Jiaxing City, external reasons, to explore the origin of the financing difficulties of SMEs in Jiaxing city. The new way of seeking effective financing for small and medium enterprises in Jiaxing is put forward.. Through the research of this paper, we can solve the problem of financing for small and medium enterprises separately from two aspects of the enterprise internal and enterprise external.. To the small and medium sized enterprises in Jiaxing, it has some reference value in actual economic operation.