Research On Credit Problem Of Small And Media Enterprises In Jilin Province

At the present time, the small and medium-sized enterprises with huge number, various forms and other advantages, has gradually become important economies of China’s national economy. The small and medium-sized enterprises play a larger role and make a great contribution in boosting local economic development, alleviate the employment pressure, increase local national income, promote the regional technology innovation.They has become increasingly prominent in the national economy, especially the regional economy. It should not be ignored that small and medium-sized enterprises in Jilin province play an important role in boosting economic development in the province.The government of our province have attached great importance to the status of the development of the small and medium-sized enterprises,promulgated a series of policies and measures, and put it into the overall planning of the economic and social development, actively create a fair market access conditions and competition environment to ensure the healthy and sustainable development of small and medium enterprises in Jilin Province.Small and medium-sized enterprises in Jilin province has made important contributions for the provincial economic growth and alleviate the employment pressure.However, with the external environment improving,small and medium-sized enterprises’ own problems also appear gradually,especially the present situation of the narrow financing channel and financing difficulties,have greatly influenced the further circulation and development of the enterprises,which has become an urgent need to resolve.For a long time,small and medium-sized enterprises of our country face the difficulties of financing generally. Over the years,scholars studies the financing of small and medium-sized enterprises to explore the solutions, besides,the government and the financial institutions also continuously explore the methods and measures to solve this problem, but the bank loan is almost the only way to deal with the financing of small and medium-sized enterprises.Currently,the government introduced a number of initiatives, aimed at promoting commercial banks to provide financial services for small and medium-sized enterprises vigorously.The credit financing of small and medium enterprises in Jilin Province should be analyzed concretely in the macro background.The problems are mainly reflected in the enterprise and the bank,on the one hand,the enterprises’ management disadvantages resulted in its low rating level,on the other hand, commercial banks are still lack of the credit financial products to meet the needs of small and medium-sized enterprises.Therefore, to solve the credit financing of small and medium-sized enterprises in Jilin Province, we need proceed with the enterprises and banks simultaneously,to make the two wheel drive.The financing problem is one of the obstacles of the development of small and medium enterprises in JilinProvince, and produce a certain negative impact on the sustainable development of small and medium enterprises in Jilin.To solve this problem fundamentally,both small and medium enterprises and commercial banks should be the focal point.This paper will contact the relevant theory, combining with the development status and the actual of small and medium-sized enterprises in Jilin Province, and set the internal management of enterprises and financial innovation as the breakthrough point to find the reasons, to explore the specific path to solve the credit problems of the small and medium-sized enterprises, in order to provide some suggestions for the small and medium-sized enterprise credit.Based on the theory of relevant knowledge, this paper learns the current domestic management innovation of small and medium-sized enterprises and research methods and research achievements of the credit financing of small and medium-sized enterprises.The author analyzes the present situation of small and medium-sized enterprise credit in Jilin province,find out the management disadvantages of small and medium-sized enterprises in Jilin province and insufficiency of bank credit for small and medium enterprises,explore the causes of this problem, on the basis of this, put forward improvement suggestions and path according to the specific problems.