The Research On Small And Micor Bussiness Financing In Socialist Market Economy

Small micro enterprise play an important role in socialist economy construction, productivity development,comprehensive national strength promotion.Small micro enterprise develop rapidly in China,there are more than one thousand two hundred millions in the national department of industry and commerce registration.But, small micro enterprise is weak, the financing difficult problem has plagued its development,How to get rid of the small micro enterprise financing difficulties and ensure the steady and rapid development of small micro enterprises has become the current research of small micro enterprise development major issue.Under the background of socialist market economy system with Chinese characteristics,to improve the small micro enterprise financing ability in our country need to regard Marx’s theory of financing, modern western theory of financing and financing theory as the foundation at the present stage in China,draw lessons from foreign experience,analyzes small micro enterprise financing difficult problem.Facing financing mainly rely on bank loans,relatives and friends in the process of borrowing and the folk financing, the financing cost is high, repayment pressure, combined with the present basic situation and the development situation of small enterprises in China, found that small micro enterprise internal problems such as low management level, backward production efficiency.In the external environment,the financial market, commercial credit, enterprise credit information system are factors restricting small micro enterprise financing in our country.To alleviate the current small micro enterprise financing difficult problem, first of all,we need to strengthen the construction of small micro enterprise, through the construction of professional manager school to promote management level and the financing ability. Second, to deepen the financial market structure, improve the commercial credit. Finally, to make full use of big data business platform, perfect the enterprise-bank information platform construction, alleviate the financing difficulties due to information asymmetry problem.